Blog
How Long Does This Crap Stay on my Credit Report?
People have a lot of interesting notions regarding how long bad credit “stays on your record.” Generally speaking, a creditor has 4 years to bring a lawsuit against you to recover after a default. The length can, however, be extended in a number of ways. A credit...
Four Keys to Raising Your Credit Score
Keeping good credit can be hard, and the path to establishing better credit can be mysterious. What can I do to raise my score over time? I’m glad you asked. The following 4 tips will guide you on your journey to build the FICO score you’ve been dreaming of! PAY BILLS...
What the Heck is a FICO Anyway? Your Path to Understanding Credit.
FICO (Fair Isaac Corporation), originally Fair, Isaac and Company, is a data analytics company based in San Jose, California focused on credit scoring services. It was founded by Bill Fair and Earl Isaac in 1956. The FICO Score helps lenders make accurate, reliable...
Is my Credit Report Really Free?
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as...
How to Make Him Pay Child Support
Child support can be awarded to the custodial parent or sole managing conservator of the minor child in question. Some people equate child support to punishment; however, these funds are to go to the support and maintenance of the minor child. In the State of Texas,...
To negotiate (with your future “EX”) or not to negotiate, that is the question.
So you have accepted the inevitable, the divorce has been filed, and so has the response. Your divorce is moving forward. Now what? There are numerous things that can occur: you can appear before the Judge, mediation, or a mixture of the two. Normally, divorce cases...
She Filed for Divorce on Valentine’s Day. She’s Serious!
Valentine’s Day, a commercialized holiday used to exploit the true meaning of love with the purchasing of flowers, jewelry, candy, dinner, etc. This day is used to symbolize love and happiness but sometimes just the opposite occurs. For instance, you are notified that...
You’re Both in Love, Yes! But a Prenup Isn’t a Bad Idea
So you’ve found love! Congratulations! Now comes the hard question, before the festivities celebrating you and your significant other commence, ask yourself, “Do I need a prenup?” This isn’t a question of loyalty, love, honesty, or planning for failure. This is a...
I Can’t Stand My Homeowners Association!
I am often asked how someone can get out of their HOA. The short, very easy, very sarcastic answer is, “Well, move.” Generally, your Homeowners Association is here to stay. You may not remember being notified that you were joining all the HOA fun that glorious day you...
Bad Debt Goes Away After Seven Years, Right?
Wrong. First of all, you shouldn’t let bad debt linger, and seven years is way too long! Clients give me this line all the time. I think they really hope that it’s true, and it sounds somewhat logical, but, no. It doesn’t work that way. Generally speaking, there is a...
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Houston, Texas 77054
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(832) 305-7694
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