What to Dispute

When asked, “What should I dispute” – the answer is simple. The Credit reporting agencies and data furnishers have a legal obligation to abide by three important standards. Everything that is on a report MUST BE: Within Date- Every item that is reporting must be within the allowable reporting period (Typically 7 years fo ..

What is the statute of limitations (SOL)?

A lot of people get the statute of limitations confused with the FCRA credit reporting time. While they’re both time limits related to debt, they have different effects. The statute of limitations for collecting a debt is the period of time that a creditor or collector can obtain a judgment through the court system to force a p ..

What is Rapid Rescoring?

Rapid rescoring originated in the mortgage industry because they were losing so many clients due to credit problems. Rapid rescoring is not offered by the big three credit bureaus Equifax, Experian and TransUnion. Instead, it is offered by the smaller credit resellers that serve as middleman between the bureaus and lenders. Rapid resc ..

What Do Consumers REALLY Know About Their Credit

In May of 2007, Washington Mutual, along with a government agency, conducted a study on consumer awareness of the credit scoring system. They wanted to find out, "What do consumers know about the credit score." "What do they know about how to affect their credit?" The results of the study are astonishing: 65% understood th ..

VERY Interesting Stats

A study of credit scores for mortgage applicants by the Consumer Federation of America and the National Credit Reporting Association found that one in ten files (155 out of 1,545) contained at least one, and as many as three, additional repository consumer reports. The same study also found that it was very common for the additional r ..

Vantage Score

The VantageScore is calculated using the same methodology as the FICO score, but adds a few additional metrics in the mix. It assigns a letter grade to your score as well. While FICO scores range from 300 to 850, VantageScores range from 510 to 990. For each 100-point spread on the VantageScore, a letter grade is assigned. For example ..

Utilization and Credit Scoring

During this webinar you will hear about how utilization impacts the credit scores, what can be done to improve the utilization aspect of the score, how you can help customers improve utilization, hear commonly asked questions from credit owners relating to utlization, and much more. Your special hosts for this webinar is leading credit i ..

Upload Securely

One of the best benefits of the DisputeSuite Customer Portal is that your clients have a place to securely upload documents right through their portal. Sending documents through email isn’t secure, and sending through the mail has a cost and is cumbersome. But through the portal within a few clicks, clients can name and upload  ..

Many of your clients would prefer to pay you with credit or debit cards

Many of your clients would prefer to pay you with credit or debit cards. Many credit company owners quickly discover that it is near impossible for them to find a merchant account provider who will approve them for a new account. The reason is that almost all merchant providers treat the credit industry as a “high-risk” i ..

This is all illegal

The Fair Debt Collection Practices Act (FDCPA) is a law which protects consumer rights from unfair and unethical debt collection practices. This law can be very helpful to consumers in stopping collection company harassment and abuse. One benefit of this law is that a consumer can stop any collection company from contacting them by p ..

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