Jim Kemish, a nationally recognized credit repair and restoration expert, is the president and founder of Sky Blue Credit, a leading credit repair service since 1989. Jim is also the president of Power Mortgage, a Florida mortgage company based in Delray Beach, Florida.
Credit Repair: Quick Identity Theft Solution An Unpleasant PossibilityAre there entries on your credit report that do not belong to you? These may be the result of a file merger error on the part of the credit bureaus. Or they may be the result of a more nefarious case of identity theft. The Fair Credit Reporting Act (FCRA) gives you very specific and powerful tools to correct cases of identity theft and to quickly block the erroneous...... Similar Editorial : Credit Repair by William Lingle. | Source : Identity Theft
The Power Of Post Bankruptcy Cleanup Have you had a bankruptcy discharged? Chances are that you still have derogatory information lingering on your credit report. This is not necessary. Credit repair expert Jim Kemish discusses the benefits of a post-bankruptcy cleanup.Your Post Bankruptcy Credit ReportHave you had a bankruptcy discharged? If you are like the vast majority of our post-bankruptcy customers you still have damaging...... Similar Editorial : What Are My Post by Michael Waddington. | Source : Bankruptcy Classes
Your Credit Score – The Essential Facts Who are the credit bureaus?I have managed a mortgage company since 1989. I also manage a national credit repair business. We speak to people about their credit all day long. There is a common misconception that the credit bureaus are in some way connected to the government. It’s not true – they are nothing but big business. There is no government charter or anything of the sort. And yet there may...... Similar Editorial : Credit Score by Donald Saunders. | Source : Credit Report Rating
Credit Repair: Credit Score Secrets FICO - More Than Meets the EyeFair Isaac and Company is the developer of the FICO score, the credit score used by most lenders today. The exact formula is not published, but Fair Isaac offers a breakdown of the categories of influence, and the relative importance of each. The breakdown is a helpful starting point for anyone in credit repair mode who wishes to optimize his or her scores, but it is...... Similar Editorial : Self Help Credit Repair by Tom Kline. | Source : Good Credit Rating
Credit Repair: How To Raise Your Credit Score Get the Big PictureDo you want to have fantastic credit scores? Would you like to be approved for the lowest cost financing available when you purchase a home or an automobile? If so, you need to understand the factors that have the greatest impact on your credit scores – and how to control them. Credit repair can make a dramatic difference in your life; just take one step at a time.Open New...... Similar Editorial : Self Help Credit Repair by Tom Kline. | Source : Good Credit Rating
Credit Repair: Don’t Miss This Opportunity! Include YourselfIt is important to understand how widespread credit reporting errors are. Over 200 million Americans have credit files with each of the three credit bureaus, and 150 million of those people have errors on their credit reports. If you are in this category there is a strong possibility that these errors are having a significant impact on your credit scores and causing you to pay...... Similar Editorial : Self Help Credit Repair by Tom Kline. | Source : Personal Credit Score
Credit Repair: What’s The Score? FICO, the Score that CountsThere are many credit scores available, but the FICO score is the one that matters. FICO, by the way, is an acronym for Fair Isaac & Company, the creator of the scoring model. Virtually all lenders use FICO scores to make loan decisions. If you are in a credit repair program, any score you monitor is fine for measuring progress. But if you are planning to apply for a...... Similar Editorial : Self Help Credit Repair by Tom Kline. | Source : Get Credit Score
Credit Repair: How To Handle A Collector The Basic RulesCollectors are governed by the Fair Debt Collection Practices Act (FDCPA). Collectors do not always play fair, so it is best if you know the rules. Collectors cannot report a collection to the credit bureaus unless they have sent you a letter detailing the debt and the identity of the original creditor. They must also provide an explanation of your right to challenge the debt within...... Similar Editorial : Self Help Credit Repair by Tom Kline. | Source : Get Credit Score
Credit Repair Tips For Everyone Using Your Credit CardsThere is nothing wrong with using your credit cards. Credit cards allow you to manage both purchases and unforeseen events over time. There is also nothing particularly wrong with running your balances up to the limit - unless you need your credit scores to be at their best in the short term.Credit Repair and Your Credit Card BalancesThe FICO scoring model recognizes five...... Similar Editorial : Credit Repair Professional Tips by James Kemish. | Source : Get Credit Score
Credit Repair: Big News About Authorized User Accounts Questionable Credit Repair PracticesA small sub-set of the credit repair industry has been operating in a gray area of the law by selling authorized user accounts to consumers. Many credit repair customers have been willing to pay significant amounts of money for these accounts, and the credit score benefit that comes with them. According to the Fair Isaac July 31, 2008 press release, those days...... Similar Editorial : Self Help Credit Repair by Tom Kline. | Source : Get Credit Score
Credit Repair Professional Tips Pay Your Bills on TimeCredit repair means timely payments. Does this go without saying? If you want to repair your credit and improve your credit scores you cannot afford new late payments on your credit report. New late payments will have a major impact on your scores, as much as 100 points. The initial impact of a late payment will fade over time, so get those late payments behind you forever...... Similar Editorial : Computer Repair Tips by Chancer Reese. | Source : Get Credit Score
A Small Credit Repair Miracle John and Susan declared bankruptcy in January of 2004 and were discharged four months later in April. They were under the impression that there was nothing that could be done to repair their credit following the bankruptcy. They both felt as if they were holding their breath and waiting for the years to pass. In January of 2008 they decided to apply for an FHA mortgage.They were not really...... Similar Editorial : Self Help Credit Repair by Tom Kline. | Source : Get Credit Score
Credit Repair, Your Budget, And Your Life Taking Stock of Your LifeMoney comes and money goes. How do you spend your money? Organizing a budget does not have to be painful. Getting started can be challenging, but once underway you are likely to feel exhilarated. There is nothing like the feeling that comes from regaining control of your life. If you are starting a credit repair program, now is the time to implement a budget. It's easier...... Similar Editorial : Self Help Credit Repair by Tom Kline. | Source : Get Credit Score
Common Credit Repair Questions Answered! What is the quickest way to improve your score? Do mortgage inquiries count against your credit score? Credit repair expert Jim Kemish answers these questions and more.The Importance of Your CreditYour credit score will determine the interest rate that you are charged on everything from your credit cards to your mortgage. No other single bit of data has such a dramatic impact on the quality of...... Similar Editorial : Day Trading Questions Answered by lerhing. | Source : Get Credit Score
The Truth About The Credit Bureaus Are you under the impression that there is some relationship between the credit bureaus and the government? Credit repair expert Jim Kemish offers some insights.Not a Friendly ServiceIn a recent blog entry I wrote, "Significant legislation has been enacted to protect you from the impact of the credit bureau's inaccuracies. The right that you have to receive copies of your three credit reports for...... Similar Editorial : Credit Bureaus by Justin Hutto. | Source : Raise My Credit Score
Blessing Or A Curse Make sure that you are prepared for the potential payment change. It doesnt hurt to ask your mortgage broker to calculate the worse case scenario for you. Its best if you know the potential. Kemish. All Content.... Similar Editorial : 10 Items Or Less by Kyle Newton. | Source : How Much Is My Mortgage Payment
