What Makes up a FICO Credit Score?

What Makes up a FICO Credit Score?

On our Credit Restoration page we outlined the categories used to derive a credit score. ¬†To review, those categories are the following… Payment History – 35% Amount Owed – 30% History of Credit – 15% Inquiries – 10% Account Diversity – 10% Today we are going to take a deeper look inside each of these categories including a few credit building¬†tips that...

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Collections and Telephone Calls

Collections and Telephone Calls

Consumers have multiple laws at their disposal regarding their credit reports and debt collection. One of the most important laws regarding collection agencies and the collection of debt is the Fair Debt Collection Practices Act (FDCPA). This law provides behavioral standards for acceptable third-party collections. According to this law, at all times, debt collection agencies must treat the...

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