Greg Cowart on Zillow
Greg Cowart - Mortgage Broker or Lender at The Securus Group
Greg Cowart - Roseville Loan Guy

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Could the future of credit reporting be all new, different?

Part of three big settlements the big three credit bureaus have made over credit reporting mistakes recently (the other two were with the AG of New York and the AG of Mississippi), Equifax, Experian, and TransUnion have settled a 31 state class action suit; paying a fine and, more importantly, ensuring future errors are limited…

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Credit Corner: New legislation to help consumers

While not law just yet, the Stop Errors in Credit Use and Reporting (SECURE) Act of 2014 will be a huge help to many consumers. We have had conversations about how the archaic credit laws are in the country, both on this website and with some of you in person, and I don’t […]

Credit Makeover In Five Steps

My friends at local credit repair agency, Blue Water Credit Repair, gave me this GREAT five step path to a credit makeover. While I know all of this myself I can’t take credit for putting it into words (and Blue Water taught me a bit of this stuff anyways). Here you go, a free five […]

Credit Scoring: Reason Codes

A FICO® credit score is a performance objective score. The performance objective of the credit score is the “likelihood of a consumer to have a 90 day late on their credit report in a 24 month period”.

Here are the 20 Reason Codes (or Score Factor) that can show up on a mortgage credit report.

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Little-Known Facts About Your Credit Report & Credit Reporting And What “They” Don’t Tell You

Home ownership is one of the keys to building wealth! But, almost 98% of home buyers need a mortgage loan in order to buy a home for their family—or purchase rental property.

The first thing and I mean the VERY FIRST THING, that lenders look at is your credit report. Believe me when I […]

Trans Union Announces Average Household Credit Card Debt by State

A recent report has just announced that Iowa residents have the lowest average credit card debt in the United States. This fascinating finding leaves many individuals and families around the nation struggling with credit card debt and bad credit asking “How do they do it?”

According to the report, Chicago-based firm […]