Rebuild Credit

Perfect Credit Scores; What You Need To Reach the Top

What does it take to hit the top of the credit score scale?

Posted on December 23, 2016

Debt Free, The Power of a Plan and One Client's Goal

One client shares his story of becoming debt free and building a wonderful credit future.

Posted on December 23, 2016

The FICO Credit Scoring Method to Help Those with Little or No Credit

Getting credit can be difficult if you do not already have credit. Learn what FICO has come up with to help people build a good history using their normal bills.

Posted on December 23, 2016

Why a Debt Validation Letter May be Exactly What Debt Collectors Want

The idea is great, ask a debt collector for proof you owe a debt and if they cannot produce it, you do not have to pay. However, the reality of using this tactic may yield very different results.

Posted on December 23, 2016

The Double Whammy From a New Credit Card

We have heard that applying for credit can impact our credit score. One or two inquiries may have little effect on the numbers, but having several in a year can take its toll. Those applications can have a greater negative effect if they are for credit card accounts.

Posted on December 23, 2016

How a Stranger May be Your Best Bet for Getting Out of Debt

Everyday we are inundated by articles, sound bites, Tweets, and commercials telling us how we should be managing our money. But we all have choices and finding an unbiased person to help you make those important financial decisions can be critical to your success.

Posted on December 23, 2016

Quick Poll - Tell AFS What You Want to Hear

What financial topic(s) would you read about in our blog?

Posted on December 23, 2016

How Honest is that Credit Card Comparison Site

As you watch television, surf the Internet and flip through your favorite magazine, you will undoubtedly see companies advertising that they can show you the best deals in plastic - credit - for you to consider. There are a few reasons to hesitate from relying too much on information that looks like it’s coming from a neutral source. The main one is because the source might not be neutral at all.

Posted on December 23, 2016

Time and Debt Repayment Still the Best Strategy for Increasing a Credit Score

Some of you might be rejoicing a bit because of news that the chief credit scoring outfit, FICO, is changing its rules about how it scores debtors. The main change is that the new system will draw a distinction between medical debt and regular debt. The other big change is the new system will disregard medical collection accounts if they are paid or settled.

Posted on December 23, 2016

Medical Debt, New FICO Score Good News or No News

Last week, FICO, the nation's top credit score provider, announced upcoming changes to the way some debts impact your credit score. This could be good news for thousands of people, if lenders adopt this new model.

Posted on December 23, 2016