Credit Tips

Credit Tips

Credit expert Frank Bruno reveals unique but legal techniques that can dramatically improve your credit report and credit scores. Credit tip videos, articles, blog, credit dispute software.

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Written by robertsonrob on
Avoiding complications in credit repair is almost important as getting out of debt. When we have bills that were neglected simply because we didn’t have the money to pay the bills, or else we purchased items instead of paying the bills, we are in debt. If you are considering a Home Equity Loan to get out of your current mortgage, don’t. Why? Simply because most Home Equity Loans get you deeper in debt and once you are obligated you will find the problem is more complicated than when you applied for the loan. Lenders often target home owners with financial difficulties offering them high ... Read Full Story
Written by robertsonrob on
Many people have heard of bad credit, but some may not know what it means. For a long time, there was no established method for determining the credit activities of consumers. However, this all changed when a company called the Fair Isaac Corporation designed a credit scoring system that is called the FICO score. Because the three major credit agencies have different information on each consumer, the FICO score calculated by these agencies won’t be exact. Your FICO score has become the best way to determine if your credit is good or bad. To get your store, information in your credit report is compared ... Read Full Story
Written by passport2riches on
Not many people spend too much time thinking about it, but every one of us, has a computer file somewhere that contains all the information that makes up our credit history. This information will include our current and previous addresses, our income level, our outstanding debt and how much extra credit we currently have available to us. It will also show things like our repayment habits, whether or not we pay bills on time and if we have had any county court judgments made against us for payment. Checks It will be made available to companies who wish to see it for a fee ... Read Full Story
Written by davelal9 on
New credit report practices have again changed the rules regarding authorized users on credit card accounts. The history of the authorized user Here at Auto Credit Express we’ve been a bit lax about informing our customers of the changes that have occurred over the past year regarding authorized users on credit card accounts. And while FICO won’t divulge their new formula, it’s fair to say that it will affect a fair number of consumers and we thought you might want to know about some of these changes. An authorized user is a person assigned to a credit card account that is not the account ... Read Full Story
Written by robertsonrob on
If you have ever had a loan denied it was probably humiliating, embarrassing, and a harsh reality check. So much for that bright red Mustang convertible you wanted. Or maybe it was for an old, beat-up, rusty sedan you thought you could afford to drive back and forth to work. Sadly, that new five bedroom, brick home with the sun porch is out of reach. Or was it your last hope for a deposit to rent a simple one bedroom apartment for you and your family. Some people know before they ever apply for a loan that they will be denied due to a ... Read Full Story
Credit FICO report score is the tabulated result after FICO applied their system of analyzing all the credit information that passed through each credit monitoring bureaus, Equifax, Experian and TransUnion.Contributor: KNOWLEDGE BASEPublished: Nov 20, 2009  
From associatedcontent.com ()
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TransUnion LLC and Experian PLC on Friday defeated a lawsuit brought by Fair Isaac Corp. claiming that their Stamford-based VantageScore credit-scoring system infringed FICO trademarks.  
From connpost.com ()
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COSTA MESA, Calif., Nov. 20 /PRNewswire/ -- A Minneapolis jury today decided in favor of Experian in a trademark lawsuit brought by FICO against the company, in addition to TransUnion and VantageScore Solutions. The jury's decision confirms Experian's right to continue marketing its VantageScore and PLUS Score services, rejects FICO's claim that it holds exclusive trademark rights to credit score ranges overlapping 300 to 850, and...  
From rss.prnewswire.com ()
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STAMFORD, Conn.--(BUSINESS WIRE)--A federal jury verdict in Minneapolis confirms a complete victory for VantageScore Solutions in all claims made by FICO. In its decision against FICO today, the jury affirms VantageScore’s ability to use its 501-990 credit score range. The verdict, which finds that the VantageScore numeric range does not constitute trademark infringement, follows the dismissal of multiple related claims by FICO earlier this...  
From businesswire.com ()
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Filed under: Analyst reports, Analyst upgrades and downgrades, Intel (INTC), Texas Instruments (TXN), Analyst initiationsAnalyst upgrades: Oppenheimer upgraded Momenta Pharmaceuticals (MNTA) to outperform from perform as it finds the stock attractive ahead of FDA's decision on M-enoxaparin. The firm has a $15 price target on the stock. Wells Fargo upgraded Symmetry Medical (SMA) to market perform from underperform. The firm cited...  
From bloggingstocks.com ()
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Please replace the release with the following corrected version due to multiple revisions. The corrected release reads. NEW VERSION OF FICO® SCORE TRENDS SERVICE GIVES LENDERS DEEPER INSIGHT INTO CREDIT RISK FICO® Score Trends Service v2.0 Also Aids in FICO® 8 Score Migration As current market conditions increase portfolio volatility, lenders require a more acute understanding of their own risk levels – as well as how they compare to...  
From pr-inside.com ()
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Two top-level executives are leaving Fair Isaac Corp., the Minneapolis company best known for its FICO credit score that has been struggling to turn itself around financially. Chief Operating Officer...  
From story.chicagochronicle.com ()
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@chucklebuck: Applying for new credit would only theoretically impact your age of credit and new credit portion of the FICO score (unless you go and jack up the balance too). Those two factors account for 25% of your overall score (per myfico.com). The maximum FICO score is 850 which means at worst a new card could drop your score 212 points. Of course that's a way outside the box worst case scenario but there ya go an idea of what is...  
From consumerist.com ()
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MINNEAPOLIS--(BUSINESS WIRE)--FICO (NYSE:FICO), the leading provider of analytics and decision management technology, today announced an agreement with Cypress Software Systems to resell the FICO® LiquidCredit® small business scoring models through Cypress’s BizMark® origination application. The integration of powerful FICO analytics into a leading origination platform is intended to streamline the small business lending process while bringing...  
From businesswire.com ()
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@Daveinva: Experian got into disagreement with FICO (formerly known as Fair Isaac) and soon after, FICO stopped offering EX scores to the public (although they still provide EX scores to creditors, etc.) Unfortunately, you can't really blow off EXP, as many creditors still rely on them (with regional variations), but you can't check your FICO EX score either. Can't win either way. azntg  
From consumerist.com ()
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