The Dobson Advantage

[...] As part of virtually every credit report that I’ve seen, credit bureaus include a list of “reason codes” with numbers and a short (I [...]

[...] of other consumers, complete strangers in other states or other countries, to end up on your credit report. All it takes is a name misspelling or a transposed number.  Monitoring your credit is [...]

[...] lower your score, but the drop would be minimal. Along these same lines, pulling your own credit report, a soft inquiry, doesn’t have a noticeable effect, either. On the contrary, pulling your own [...]

[...] I’m sure you know that you can get a free copy of your credit report by logging on to www.AnnualCreditReport.com. But, here’s what you may not know—there are other [...]

[...] Not long ago, MONEY magazine interviewed consumers determined to earn perfect 850 credit scores. Here are the illuminating take-aways from the article. 1.  Most were compulsive about [...]

[...] of America, most U.S. consumers, a lot of us, are uninformed about the basic facts about our credit scores and their financial significance in our lives.  So here goes a short lesson in helping keep [...]

[...] . Just so you know, here are characteristics of an elite group of Americans with perfect 850 credit scores. Use them to guide you in a general, but not compulsive, way to earning a higher credit score [...]

[...] .  Here is our fourth installment.  There’s a lot of confusion and misinformation about credit scores. Here are some myths you should be aware of: Closing out old, inactive credit accounts [...]

[...] on certain criteria—criteria like minimum credit scores, geographical areas, mortgage or car loans or outstanding credit card balances. If you read the tiny, tiny print, they must also [...]

[...] of credit. They have a carefully designed portfolio of closed-ended debt, like mortgages and car loans, and open-ended (revolving) debt, like major credit cards and store cards. Their credit reports [...]

[...] it.  Just say no thank you. Vary your credit accounts. Mix loans, like mortgages and car loans, with revolving credit, like major credit cards and store charge cards. But don’t go [...]

[...] to have a balanced “credit portfolio,” the proper mix of closed-end credit (like car loans) and revolving credit (credit cards). 7.  Most could recite like a mantra the five [...]

[...] any of the “unacceptable sources” because it may be difficult to get them approved for a mortgage loan. [...]

[...] (both purchase and refinance) meet certain criteria. Even if you are not in need of a mortgage loan right now, I’d like to share with you 6 things you’ll need to know about when it’s time [...]

[...] Do you get junk mail from other mortgage companies, insurance agents, credit card companies and car dealers with ads telling you that you have [...]

[...] it’s time for you to obtain a new mortgage. Why were they created?  They are a guide for mortgage companies and consumers to make sure that the loan terms are fully disclosed, with no interest rate [...]

[...] family, friends and entertaining is a feature that homebuyers are looking for too. Mortgage Financing – With all the new underwriting and qualifying ratio rules, it’s critical that they [...]