1. IS IT A GOOD IDEA TO CO-SIGN?

    Today we're going to address an issue that is plaguing our country. This issue is on the topic of co-signing. Is it a good idea and smart decision to co-sign for someone else who is applying for a loan? Have you ever asked anyone else to co-sign for you? This can affect anyone old or young, rich or …Read More

  2. WHY YOU CAN’T HAVE DISPUTE VERBIAGE ON THE CREDIT REPORT

    In the world of credit repair, one of the hot topics we deal with on a regular basis is the impact of dispute verbiage on a credit report. As a consumer, you could very well have a 680 or 720 credit score, but still be denied for a loan. Many loan programs out there will not allow you to move forwar…Read More

  3. HOW A DIVORCE IMPACTS YOUR CREDIT

    An all-too-common story we hear from clients across the United States is how a divorce absolutely ruined their credit or the credit of someone they know. Most folks wouldn't anticipate something like this happening as an outcome of the divorce because it is simply unfamiliar territory to them. They …Read More

  4. UNDERSTANDING THE MOP RATING SYSTEM

    Understanding what the MOP rating system is and the ways in which it can severely impact a credit score can play a critical role in the value you offer your clients as a lender. Even if you aren't a lender and you are reading this, knowing what you are looking at on your own personal credit report c…Read More

  5. WHY PAYING COLLECTIONS CAN HURT YOUR CREDIT SCORE

    In a previous blog post, we outlined some key things to NOT do to avoid negatively impacting your credit. One of those important activities to avoid was to be sure you don't jump the gun and start paying off any/all collections on your credit report without a strategic game plan in place. It's very …Read More

  6. YOUR CREDIT | HARD PULL VS. SOFT PULL

    When it comes to credit, My Credit Guy hears questions every single day from folks all across the country. One of the most frequent questions we hear is, "what is the difference between a hard credit pull and a soft credit pull?" That is a great question to ask and very important topic to understand…Read More

  7. THE MY CREDIT GUY DIFFERENCE

    Where do you even begin when your credit needs to be fixed, but there are countless credit repair companies out there to choose from? Perhaps you have struggled with a foreclosure or gone through a bankruptcy. Maybe student loan payments have been missed or medical bills have piled up. Whatever the …Read More

  8. MY CREDIT GUY INTRO FOR CONSUMERS

    Need credit help? Searching for the right credit repair company to help increase your scores? Whether you are trying to get a better job, applying for a home loan, or even attempting to secure better interest rates, My Credit Guy is designed to take credit scores to the next level and fully restore …Read More

  9. CREDIT TIPS – WHAT NOT TO DO

    So you're trying to get qualified for a home loan or financing of some kind. ¬†Perhaps you've been doing all the things you've been told to do so you can help strengthen your credit score, but what about all the things you should NOT do - the things that will hurt your credit? ¬†Sometimes knowing an…Read More