http://kgroupconsulting.com/blog The Ultimate Guide to Higher Credit Fri, 19 Feb 2010 17:03:23 +0000 http://backend.userland.com/rss092 en I first met TKG back in 1994 when I purchased my first home. Being naive regarding my credit, the group showed me where and how I could improve my credit standing, and how important it was to keep on track. I have since used the group many times throughout the ... http://kgroupconsulting.com/blog/?p=98 Every relationship takes work. While we all want the love to be there when we need it, ignoring your relationship, even just a little, can spark the beginning of the end.  The same is true for your relationship with your credit.   Here are some ways to keep the love alive and ... http://kgroupconsulting.com/blog/?p=96 Because there is an assumption that those with the worst credit make the least amount of money, I’m frequently asked how my clients are able to afford my services. When I explain that most of my clients have good incomes, they’re left even more perplexed. Why, if they make so ... http://kgroupconsulting.com/blog/?p=88 As of August 20, 2009 credit card companies must: Have your statement to you 21 days before the due date Give you 45 days notice of increasing your interest rate You have option to reject new rate, but if you chose that option the account will be closed with old rate and you ... http://kgroupconsulting.com/blog/?p=74 Because 30% of your FICO score is based on amounts owed on revolving credit, I can’t say it enough: watch your balances!   ANATOMY OF A FICO SCORE 35%  payment history 30% amounts owed on revolving accounts 15%  length of credit 10%  new credit 10%  types of credit   Being over your limit or near your limit on ... http://kgroupconsulting.com/blog/?p=67 I’ve never heard so many people talking publicly about credit. And it’s been wonderful to hear more and more people taking stock of their unhealthy credit use and control of their financial lives. But I’m worried when I hear folks saying things like “I’ve learned my lesson, I’ve paid off ... http://kgroupconsulting.com/blog/?p=64 Bankruptcy –10 years in public record section from date filed. All the accounts listed included in the bankruptcy remain for seven years.   Closed accounts – Ten years from date closed.   Collection accounts – If account is paid it will be marked as paid, but will still remain for seven years from the date account went ... http://kgroupconsulting.com/blog/?p=53 A client recently came to TKG because he had no FICO scores. Armed with a great history of income and a 30% down payment, he still could not get his mortgage approved. So how did he come to have no FICO scores? Back in 2002, my client realized he had some ... http://kgroupconsulting.com/blog/?p=23 All your ex’s stuff is out of the house, the divorce is finalized and you are basking in your new independence. But your divorce decree has your ex responsible for the Visa card and part of the mortgage you once held together. Your ex may seem gone, but the ... http://kgroupconsulting.com/blog/?p=6 The birds are chirping, the grass is greening and it’s time to clean up the house and de-clutter the garage. But don’t forget about your credit! Most of us also have junk that needs clearing from our credit reports. It may a wrong address, a late payment on an account ... http://kgroupconsulting.com/blog/?p=5