1. 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

  2. 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

  3. 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

  4. WHAT YOU NEED TO KNOW ABOUT CO-SIGNING

    Co-founder and CEO of My Credit Guy, Sam Parker, joined CW Iowa Live last week to discuss some key tips you want to know when it comes to your credit score. Is it a good idea to co-sign for someone you know who is applying for a loan? Should you ask for co-signers on a loan you are applying for? Wha…Read More

  5. TRUE CREDIT REPAIR | MY CREDIT GUY

    There is "credit repair"... and then there is real, actual credit repair. My Credit Guy performs the latter. To all the mortgage lenders out there, we need to have a quick discussion about how real credit repair services differ from tools such as rapid rescores and what-if simulators; in other words…Read More

  6. HOW LATE PAYMENTS IMPACT YOUR CREDIT SCORE

    Your credit score gets impacted in so many different ways (positively and negatively), sometimes it's hard to keep straight just how much one thing can actually disrupt your score. Usually, late payments to creditors occur because of something unexpected or unfortunate occurring in someone's life. T…Read More

  7. 3 CREDIT PITFALLS TO AVOID

    Founder and CEO of My Credit Guy, Sam Parker, joined Amber Lampe from Fidelity Bank on CW Iowa Live this past Friday morning. During this segment, Sam dives right in to three important pitfalls to avoid that could cause your credit scores to drop. Whether you have good credit, bad credit, or no cred…Read More

  8. DISPUTE VERBIAGE

    Dispute Verbiage!? As if you didn’t have enough to worry about with getting your credit scores in order, making sure you had the down payment taken care of, and getting all of your supporting docs prepared and signed NOW at the last minute you realize that you have an account or accounts with “D…Read More