By: Rickert | July 20, 2017

Removing a chapter 7 bankruptcy from your credit report can be a very difficult process (as you can imagine), but it is possible to do if you follow the steps I’ve outlined in this article.

Please keep in mind that this may or may not work. Your individual situation will ultimately determine if it’s possible to get a bankruptcy removed from your  credit report. Also, the older the bankruptcy, the better chances you have of getting it removed.

Another thing I want to suggest before we get started is that you sign up for a credit monitoring service if you don’t have one already. You’ll need to monitor your  credit reports closely while you’re going through these steps, so it’s pretty much a must have. TransUni...

By: Rickert | February 28, 2017

Ever wonder how a lender decides whether to grant you  credit? For years,  creditors have been using  credit scoring systems to determine if you’d be a good risk for  credit cards, auto loans, and mortgages. These days, other types of businesses — including auto and homeowners insurance companies and phone companies — are using  credit scores to decide whether to issue you a policy or provide you with a service and on what terms. A higher  credit score is taken to mean you are less of a risk, which, in turn, means you are more likely to get  credit or insurance — or pay less for it

The Federal Trade Commission (FTC), the nation’s consumer protection agency, wants you to know how credit scoring works.

What is...