Imagine you found the house you’ve always dreamed of, and you can afford it today.  The only problem is, you need to raise credit score fast by 50 to 100 points, otherwise someone else will get the deal.  The sellers have agreed to wait (after all they couldn’t sell for 2 years).  But they will only wait for 30 days.  Your mortgage broker tells you a 50 point increase is needed at the very least, 100 points is a sure shot.
Normally it would take at least 45 days …

When trying to repair credit scores quickly, think of the 5 main components which influence credit scores in the following proportions -
Payment history: late payments, bankruptcies, collections, judgments – 35%
Debt utilization: the ratio of revolving balances to total revolving credit – 30%
Credit history length: how long the accounts have been open – 15%
Type of credit: credit cards vs. installment loans – 10%
Hard inquiries: applications for new credit – 10%
These proportions, however, may change depending on the type of loan the consumer is looking for.  If you must repair credit …

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Perfect credit score based on the FICO credit scoring system, is in 840 to 850 range. How really perfect your score and credit rating should be to get the best deal in town these days? Anything over 760 middle credit score I would consider just perfect. Personally, the two highest scores I have seen were in 810 to 820 neighborhood and few things stood out – both credit reports had very established lines over 4 years old each, including mortgage and installment loans as well as two or three credit …

Q: I have a question on TransUnion codes. Got my credit report and can’t quite figure out what 09P means? Also I have R03 codes in two places. My TransUnion credit score is only 574.
A: TransUnion code 09P most probably stands for bad credit charge off. Is that on the far right under under MOP column and under Collections section? 09 code is for a charge off and ‘P’ is likely just a date indicator.
TransUnion R03 codes indicate your revolving accounts which are more than 60 but less than …