There's still hope...
Updated Oct. 9, 2013
Frustrated by the increase in the number of people with bad credit? Don't be...There's still hope!If you're like most of the lenders I talk to from around the country, you've certainly noticed the increase in borrowers with bad credit. The question is, what are you doing with them? Are you...

What's different about Omega Credit Repair?
Updated Oct. 9, 2013
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I bet you don't know, EITHER..!
Updated Oct. 9, 2013
Most people aren't aware that WHEN you pay your credit card bill matters almost as much as IF you pay it!A single call to you credit card company will arm you with some of the most valuable credit score boosting information that there is! Try this...Call your credit card company.Ask what day they report your...

Bad credit isn't the end of the world...
Updated Oct. 9, 2013
The Mayans Were Wrong!I was in my office on Friday, going over the numbers for the year, and I realized why we haven't done as much business in 2012 as we had predicted... You were waiting on the Mayan Apocalypse.... But 12/21/12 has come and gone, and we're all still here... The Mayans were wrong, and look--....

Child support and your credit profile...
Updated Oct. 9, 2013
Do you have child support on your credit report?Not to worry!Many people don't know that, although it does appear on your credit report, and can impact underwriting decisions on some loans, child support or family support (alimony) are NOT factored into the credit score. Given that so much of what is...

What exactly is CREDIT REPAIR?
Updated Oct. 9, 2013
It's long been understood that the all-important consumer credit score is a make-or-break affair when it comes to home financing. What's also been known for almost as long, is that the average American consumer has been plagued with a litany of inaccuracies on their credit report, and that their...

Proof... Not promises!
Updated Oct. 9, 2013
Don't be convinced that you're STUCK with a bad credit rating!Wanna know the single greatest mistake people make when they have bad credit?. NOTHING! They do NOTHING! Your credit is the key to your financial future, and it's not going to get better on its own!. Take action! Do SOMETHING!. Have a...

Child Support & Your Credit Report
Updated Oct. 9, 2013
Did you know...?Child support, alimony, or any other family support does not impact your credit score!. I get a lot of questions about this one, and the answer is clear. In spite of the fact that late payments, arrears, and and even on-time payments can and often DO appear on consumer credit reports, they do NOT impact...

Inaction Could Cost You $$$!
Updated Oct. 9, 2013
If I told you that a $400 investment would net you a $47K return - GUARANTEED - , would you be willing to make that investment? Of course you would.... Let's compare two examples:. Borrower 1, with a 640 credit score gets a 5% rate on a $150K, 30 year loan, and a monthly payment of $805.23. . Borrower 2, with a 700 credit...

What starts the 7 year clock?
Updated Oct. 9, 2013
Everybody knows how long it stays on their credit report, but do YOU know what starts that clock?Contrary to popular belief there is only ONE DATE that determines the true age of any credit account on your credit reports... That date is the DATE OF FIRST DELINQUENCY WITH THE ORIGINAL CREDITOR.. Let me give you an...

What the heck is a 1099-C?
Updated Oct. 24, 2014
"Debt Forgiveness"Around this time of year, many consumers are finding that they are getting what they THINK is good news in the mail. Many creditors and collection agencies have sent out IRS form 1099-C to consumers from whom they have given up on collecting alleged debts.. Essentially, they forgive you the...