Articles

Let’s clear something up — because this trips up a lot of people. Credit repair is not instant. And it’s not a magic button. And no, there is no LEGAL secret shortcut (we wish there was). Think of credit repair more like negotiation and investigation, not flipping a switch. Here’s how it actually works 👇 🧠 Step 1:…

We have this conversation with lenders and clients all the time. A borrower is trying to improve their credit, so they follow the recommendations from a credit simulator or enroll in a credit counseling program and begin paying or negotiating old accounts. It sounds like the responsible thing to do. But in many cases, it’s…

I’m not going to sugarcoat it. There have been moments in this journey where I almost compromised everything — not because of the market, not because of bad timing. Because I ignored my gut. Because I let the wrong people in. Because I stayed too long in situations that were costing me more than I…

The credit system borrowers have relied on for decades just shifted — and most people don’t know it yet. I was recently featured on Fox Business discussing one of the most significant changes to hit the mortgage industry in years: new scoring models are now taking effect, and for millions of Americans, that means your…

This is not a trend. This is a structural shift — and your borrowers are already asking questions. Last week, HUD and the FHFA officially accepted VantageScore 4.0 and FICO Score 10T, marking the first major change to mortgage credit requirements in over 30 years. I broke it down on Fox Business, and the response…

The mortgage industry just changed for the first time in 30 years. I was on Fox Business this morning breaking it down. My phone hasn’t stopped ringing.  Here’s the full article:  https://www.foxbusiness.com/money/credit-expert-warns-borrowers-about-american-drain-new-mortgage-scoring-models-take-effect Here’s the only thing you need to know: While everyone else is just now waking up to FICO 10T and VantageScore 4.0 —…

One situation that frequently surprises borrowers — and sometimes lenders — is when an SBA loan appears on a borrower’s personal credit report. Many business owners believe that if a loan was taken out for their business, it should stay with the business. However, most SBA loans require a personal guarantee from the business owner. When the…

Let me be direct with you today — because what is happening in this industry is costing people their homes, their loans, and their futures. The Pattern Is Always the Same I recently taught a class where a loan originator shared something that stopped the room. He had referred clients to a woman who delivered…

If you’ve received a letter from TransUnion, Experian, or Equifax that left you more confused than when you started — you’re not alone. These letters have a name in our industry: stall letters. And understanding what they are is one of the most important things you can do as a client on this journey. What is…