Monthly Archives: January 2016

Why Credit Scores Are Different

Yes, there are MANY different credit scores out there.  There are credit scores youcan pull yourself through credit monitoring, mortgage scores, auto scores, and many more. There are actually over 16 different credit "scorecards" that exist today. Each of these scorecards will reflect different credit scores. These scorecards are designed to...
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What’s NOT Counted in a Credit Score

Federal laws including the Equal Credit Opportunity Act and Consumer Credit Protection Act prohibit certain things from being factored into credit scores. Such things include:
  • Race, color, religion, national origin, sex and marital status. US law prohibits credit scoring from considering these facts, as well as any receipt of public...
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True Story: Married to Bad Credit

The year was 2005. I was in my early twenties and excitedly getting married to the “man of my dreams.” I became a stay-at-home mother of our two beautiful children, let go of my financial responsibilities, and focused all attention on our family.  I believed him when he said he had it all...
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