Good credit is essential for unlocking financial opportunities and reaching your goals. However, navigating the complex world of credit can be overwhelming, especially when you don’t know the top 20 words on credit. That’s where Shapiro Hurst & Associates comes in. Our team of experts has years of experience helping individuals and families take control …
At Shapiro Hurst & Associates, we understand the importance of good credit. Good credit can open doors to financial opportunities and help you achieve your dreams. However, for many people, managing their personal credit can be a challenge. That’s where we come in. Our team of experts is dedicated to helping you take control of …
Ready to Have the Credit Status You Deserve this New Year? A New Year always feels like a fresh start! For 2023, lets make sure your goals are your top priority and stick with them. Follow these steps below to achieve and retain the credit scores you deserve! 1. Line out your goals for the …
What Are The Common Factors of The 800 Club? To have an 800+ credit score, FICO’s credit scoring algorithm will be looking for several credit traits. A good combination of different types of accounts. Mortgage, Installment and revolving accounts. Credit Cards – People with high credit scores have limits that average $8000+ and at least …
All your questions answered on all things credit score. What is a Credit Score ? A credit score is a two year projection of your ability to pay your bills. Credit Scores generally range between 350 – 850. The Credit Bureaus: There are three major credit bureaus commonly used in the United States today. Equifax Experian Trans …
What You’ve Always Wanted to Know About Credit But Could Never Get A Straight Answer On. Read More »
We have all had a call from a collection company at one time or another. Understanding your consumer rights and working to protect them is a very important step when speaking with any collection company. All collection company call center personnel have a playbook and script which dictates every question they asked you. Does this …
Upholding Your Consumer Rights When Speaking to a Collection Company Read More »
In a recent joint “TweetChat” with Bankrate.com, we fielded hundreds of questions from participants on the specifics of a FICO® Score. Their questions ranged from basic to complex, reminding us that as consumers become more credit savvy, the complexities of the FICO® Score can still be confusing even to a student of credit. Here are …
Calculating FICO 35% – Payment History 30% – Amount of Debt 15% – Length of History 10% – Types of Accounts 10% – New Accounts and Inquiries Transaction Scores Transaction scores, are scores used by your credit card company. Every time you use your credit card a transaction score is calculated and is part of …
Below is a list of consumer reporting companies updated for 2016.1 Consumer reporting companies collect information and provide reports to other companies about you. These companies use these reports to inform decisions about providing you with credit, employment, residential rental housing, insurance, and in other decision making situations. The list below includes the three largest …
How many credit reporting agencies are out there? Read More »
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