by kathywardteam | Apr 22, 2016 | Questions and Answers
Learn about your credit report It is wise to review your reports at least once a year, not only because of today’s identity theft world, but you want to verify the information on all of your credit reports is correct and up to date. Several sites offer free credit...
by kathywardteam | May 5, 2015 | Questions and Answers
There is often confusion and panic about INQUIRIES ON CREDIT REPORTS. There are two types of inquiries –hard inquiries that can impact your credit score, normally a few points, and soft inquiries that do not impact your score. Inquiries remain on your reports...
by kathywardteam | Feb 13, 2015 | Home Buyers
THE RECESSION BROUGHT TO MANY, FOR THE FIRST TIME IN THEIR LIFE, A DAMAGED CREDIT HISTORY AND LOWER SCORES. Adding insult to injury, many scoring models changed to give more ‘weight’ to credit card debt. If you were unable to expeditiously pay down your balances, or...
by kathywardteam | Feb 13, 2015 | Home Buyers
“I WISH I WOULD HAVE KNOW THIS SOONER!” This is what I am often told when reviewing credit reports and giving clients advise and options regarding the information in the reports. Once you know your path to improving the report information and scores, the sooner you...
by kathywardteam | Feb 13, 2015 | Questions and Answers
Question: I can’t obtain the credit I desire. What can I do? First and foremost, obtain your credit reports from all three of the nationwide consumer credit reporting companies – Equifax, Experian and Trans Union. There is only one authorized source for free...
