When you look at the world of Credit Repair there are seemingly countless providers out there claiming they are THE source to help get your credit cleaned up and back into the land of the living. Heck, I just did a Google search for ‘Credit Repair Companies’ and came back with 455,000 listings!

Given the fact that I was your average college student who got a credit card at a baseball game because I wanted the free Giants towel they were giving away when I applied for one, I came out of college with less than stellar credit. As a matter of fact, in my second year of grad school I pulled my credit and my mid score was 510!! Pretty lousy.

I didn’t have the foggiest idea what to do to fix the problem, so I signed up to work with a company (a law firm in Utah) Read the rest of this entry »

And how to avoid it!

For most people, this one single tip is all they need to follow to have perfect credit for the rest of their lives. I’ve seen clients have everything else in place, except this one and have their credit stuck at 680.

Here it is… Read the rest of this entry »

Here are a few myth’s about what NOT to do to perfect your credit. These are the ones that I’m constantly ‘blowing up’ with my clients and seem to be so pervasive.

Myth #1: Close all of your credit cards once you become debt free.
Big mistake! Read the rest of this entry »