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

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Credit Bureaus fined for things they can’t stop doing

Last month two of the major American credit reporting agencies, Equifax and TransUnion, were heavily fined by the CFPB.

Equifax, TransUnion fined for selling consumers credit scores not used by most lenders

The fines came from consumer complaints about practices such as selling credit scores to people that lenders don’t use, as well as using […]

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 […]

Top 10 rules for handling collection agencies

1. Realize that Credit collection agents are usually working on commissions. This is a JOB to them and the more they get you to pay, the larger their paycheck. They will be persistent and more often than not MEAN, be prepared.

2. Don’t argue with the agent, because you will lose. This is what the […]