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Beware of CREDIT SWEEP Criminals

Credit sweeps are offered by banks as a cash management tool to help customers manage their accounts.

Jason M. Kaplan, Esq./

December 17, 2013
New Qualified Mortgage Rule

Have you heard of the new Qualified Mortgage Rule? Next month January 10, 2014, the Consumer Financial Protection Bureau will put the rule into effect, making many people who can qualify for a mortgage loan today, totally INELIGIBLE! The new rule slated to take effect in just a matter of weeks is designed to protect […]

Damon DeCrescenzo/

December 10, 2013
Debt Settlement DISASTER

Debt settlement is not credit repair. Debt settlement is not cheap and debt settlement CRUSHES your credit score.

Damon DeCrescenzo/

November 5, 2013
Pay off Balances or Spread it Around?

The Credit Pros team and I attended a credit seminar last week, and an interesting topic was being hotly debated. The topic? “Is it better to have one credit card completely maxed out or is it better to spread the balance out across several credit cards?” To be clear, neither is good for your […]

Damon DeCrescenzo/

October 29, 2013
Great Results

Take a look at some great results by The Credit Pros that came in today for one of our clients. They are enrolled only 90 days, have a ton of deletions and have seen a HUGE increase in scores! See more The Credit Pros reviews here.

Damon DeCrescenzo/

September 10, 2013
7 Ways to Screw Your Credit

7 Ways To Quickly And Easily Screw Up Your Credit Score, A “Cheat Sheet” From The Credit Pros

Damon DeCrescenzo/

September 4, 2013
Sue baby, sue (this is America, right?)

An Oregon jury awarded Mrs. Julie Miller $18.6 million because she spent two years trying to fix major mistakes on her credit report.

Damon DeCrescenzo/

July 30, 2013
Some Pretty Cool Stats on Credit Scores

Now, I can’t take credit for this one, but there are a few points of interest on credit scores that I like in the Credit Karma info-graphic below. First, don’t believe that having “too many accounts” and “too much credit” is a bad thing. Take a look at the highest score bracket and notice that […]

Damon DeCrescenzo/

July 16, 2013
The Impact of Bad Credit

As strange and ridiculous as it may sound, credit repair is important to save you money in any future purchases or loan applications that you may be making. The majority of the population misses a payment here or there, or is late on making a payment. This is not the end of the world, however, […]

Damon DeCrescenzo/

July 15, 2013
To hell with prepaid cards

See, prepaid cards are good at allowing the banking account-challenged among us to use plastic. They are also really good at charging super high deposit, withdrawal, and transaction fees. So good, that in most cases these fees are considerably higher than if they were to use a checking account at a local bank. What the […]

Damon DeCrescenzo/

July 9, 2013
Credit Myth – Each credit pull hurts

on’t let credit inquiries stress you out! They have little effect on your FICO score. Discover the 45-day buffer period for home and car shopping. Remember, payment history and amounts owed matter most. Improve your credit score wisely. #CreditMyth

Damon DeCrescenzo/

June 28, 2013
Phone Calls from Collection Agencies

Now, there are two things I hate in this world. One of them is collection agencies. The other is scary clowns (don’t ask). Collection agencies employ some of the most disgusting tactics to collect money. Calling employers incessantly, trolling Facebook pages, even threatening prison or bodily harm to collect from people. I hate them, […]

Damon DeCrescenzo/

June 25, 2013

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