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The Credit Coach Blog

The Secrets Of Balanced Borrowing

If you’re trying to repair, or build, your credit then borrowing is a necessary part of your journey. Without borrowing money, lenders would have no way to track your repayment habits, or gauge the risk you represent. That said, too much borrowing can get you over your head in debt rather easily. Finding the right balance is key to rebuilding your score. There are some main areas to remember and think about when balancing debt.  ..

Giving You What You Want

When you finished credit repair with us did you ask, "Now what?" Credit Coach is excited to announce our two new programs that we have together for our past and current clients. First - Re-enrollment - Did your scores not get where you wanted or needed? Were there things that didn't get removed? - $100/month reoccurring fee until you switch to the Maintenance Plan - Advanced Tactic Letters sent to each of the major credit bu ..

Protecting your credit report: Credit monitoring services

You already know that it’s important to keep up with your credit report, and that having the highest score possible will open up the most possibilities for you financially. You also know that a good credit repair business can help you in that journey immensely, and hopefully have chosen us to aid in the rebuilding of your score as necessary. But did you know that having a third party credit monitoring agency can protect the work you&r ..

The Dun and Bradstreet Paydex Business Credit Score

The main credit score used in the business world is known as a Paydex score provided by Dun and Bradstreet.This number assess business’s lending risk much the same as a consumer credit score reflects a consumer’s individual credit risk. Paydex is essentially the business equivalent of your personal credit score.The exact definition from Dunn & Bradstreet, or D&B is: The D&B PAYDEX® Score is D&B’s unique dolla ..

Protecting your credit report: Emergency Funds

Although none of us really like to consider it, emergencies in life do tend to come our way. Especially if you have a family, these emergencies, such as loss of income, injury, or loss of a loved one, can really set you back in being able to protect and think about your credit. One of the ways to help cushion emergencies in life is to have a specific saving amount set aside: an emergency “fund”.  ..

How to raise your credit score

What’s In the Credit Score and How to Get it Higher What is my credit score? What does it mean? And why does it matter? All of these are frequently asked questions in effort to raise credit scores. The first step in improving credit scores is to know where you are starting. You can request your credit report for free from www.annualcreditreport.com (http://www.annualcreditre ..

Take a look at your FCRA rights

The Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many consumer reporting agencies, including credit bureaus and agencies that sell info about check writing history, medical records, and rental history. Here is a summary of your rights under the FCRA: You must be told if information in your file has been used against you. You have a r ..

Where does my credit score come from?

Have you ever wondered what all goes into how credit bureaus figure your credit score? Or why it is that your friend/uncle/brother-in-law has a better score than you do, even though your accounts and credit cards are similar? Knowing what goes into a score can help you take charge of your credit report. There are five main elements involved in how the credit bureaus figures your credit score. While exactly how much each element plays ..

Playing it safe, protecting your credit from identity theft

While none of us what to think about somebody else taking advantage of us by stealing something so unique to us as our identity, unfortunately it does happen. So what can you do to protect yourself, and therefore your credit report, from potential thieves? Here are some tips that can help you do just that. Guard important numbers. Avoid writing down account numbers and PINS. Keep PIN numbers to yourself and cover them whe ..
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Over the years we have helped thousands of people just like you repair their bad credit.

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Gary W. - Elk City, Oklahoma
Gary W. talks about how Credit Coach LLC has helped him and how he is starting a new venture with our busi..
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Becky Estep really knows what she is doing! For 10 years I had a low 500 credit score and could never get ..