Author Archives: joep

Unraveling the Significance of the National FICO Score Decline

Credit Armor, Dispute Armor

In recent years, the United States has witnessed a subtle yet impactful shift—one that isn’t immediately apparent in headlines or breaking news, but whose consequences reverberate through the economic landscape. The National FICO Score, a numerical representation of an individual’s creditworthiness, has experienced a decline that merits our attention and consideration. The FICO Score, ranging […]

A Surge in Credit Report Errors: The Importance of Regular Checks

Credit Armor, Dispute Armor

Unmasking the Surge in Credit Report Errors  In the increasingly digital world we live in, where financial transactions are conducted with just a few clicks, the accuracy of our credit reports has never been more crucial. Recent times have seen a surge in credit report errors, highlighting the pressing need for individuals to check their […]

Prepairing to Buy a Car

Purchasing a car is an exciting milestone in life, but it often requires financial assistance in the form of a car loan. While car loans can provide the necessary funds to buy your dream vehicle, it’s crucial to prepare yourself before diving into the loan application process. By taking some proactive steps, you can secure […]

Building Credit In a Recession

Credit Armor, Dispute Armor

In times of economic uncertainty, such as a recession, financial stability becomes a paramount concern for individuals and families. As the economy faces ups and downs, one critical aspect that can significantly impact our financial well-being is our credit score. Building and maintaining good credit during a recession is more important than ever, as it […]

Building a Healthy Credit Portfolio: Essential Items for Your Credit Report

Credit Armor, Dispute Armor

Your credit report is like a financial fingerprint, reflecting your creditworthiness and financial habits. A healthy credit portfolio is essential for securing loans, mortgages, and even potential job opportunities. Lenders use this report to assess your credit risk, determining whether you are a responsible borrower. To build and maintain a robust credit portfolio, you must […]

Debt Collectors and You

Credit Armor, Dispute Armor

Have you or a family member been receiving annoying spam calls throughout the day? Has your inbox filled with aggressive collection messages? As a consumer, it is imperative to educate yourself about the process that an actual collection company can attempt to collect a debt as opposed to a scam caller asking you to meet […]

The Positive Impact of Removing Small Medical Debts on Credit Scores

  For many people, the idea of medical debts haunting their credit reports can be a source of constant worry. Fortunately, in recent years, there has been a positive change in the financial landscape. The removal of medical debts under $500 from credit reports has been a game-changer, resulting in increased credit scores for countless […]

Mastering Financial Freedom: The 15/3 Credit Card Payoff Method

Hello, my fellow financial enthusiasts! Today, I want to share a game-changing strategy with you that has brought me so much peace of mind when it comes to managing my credit card debt. It’s called the 15/3 Credit Card Payoff Method, and believe me, it’s a game-changer! Now, as we navigate the ups and downs […]