1. What is Credit?

    Imagine this: You just applied for your first credit card and it’s deemed for individuals with “excellent” credit. You have no idea what your credit score is but you went through with the application because you believe you are an excellent candidate. You’re excited to receive the applicatio…Read More

  2. Why Do We Fear Credit?

      At its core level, fear derives from that which we do not understand. The finance industry, especially credit, is a topic many of us are not clear about. Although there is a vast array of resources available to us thanks highly to Google, credit remains a hazy topic at best. Many of us understand…Read More

  3. Why Didn’t We Learn Credit?

      From about the ages of 5 to 18, young people are expected to learn a variety of topics in school like the equation of slope, Western history, and the work of Edgar Allan Poe. Never in this span of time are credit, personal finance management, or other useful life topics discussed in the classroom…Read More

  4. How To Increase Credit Scores Quickly

    At My Credit Guy, one of the questions we get most frequently is how to increase a credit score quickly. Many of our clients need to improve their credit score to qualify for a home mortgage, auto, or other financial loan. With a poor credit score, this can prove to be very difficult. Luckily, there…Read More

  5. Why You Can’t Have Dispute Verbiage On the Credit Report

      As a credit repair agency, one of the hot topics we deal with on a regular basis is the effect of dispute verbiage on a credit report. As a consumer, you could very well have a strong 680 or 720 credit score, but still be denied for a loan because of dispute verbiage. What is dispute verbiage? As…Read More


    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


    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