Category Archives: General

New blogs on credit reports, collections and credit litigation

I haven’t had time to post here because I’ve been very busy setting up new blogs at Liars and Cheats EXPOSED:

Several updates are in the works and some cool recordings of illegal collection calls are almost ready to be posted.  So much going on …

Major upgrade to the CreditFactors Knowledgebase

KBPublisher is the software I’m using to organize CreditFactors subscriber resources and it currently contains 166 articles on credit reporting, disputes, FICO credit scoring, dealing with collectors and lawsuits — all organized by category and searchable.

I have been using the free KBPublisher software since 2007 after trying software costing $500 and more and I was so impressed by the functionality and ease of use, I even wrote to Evgeny (the developer) that it is the kind of software I’d gladly pay for.

Since I maintain several websites and blogs using a variety of blogging software and forums requiring my constant attention and upgrades, I was really happy to have to do NOTHING to KBPublisher.

I love the way I can attach RELATED articles, making it easy for subscribers to see what to read next.

The GLOSSARY is also very helpful since most subscribers are brand new to credit.

Being able to manually order articles is extremely important and the MIRROR feature is also very nice as some articles are relevant in multiple categories.

Occasionally I attach files such as court opinions or filings and I actually set up a second KBPublisher installation to post and organize credit and collection-related LEGAL opinions and attorney court filings.  I don’t want legalese to show up in the search for subscribers who are not interested in litigation and I will continue to keep the legal knowledgebase separate.

Credit reporting continually changes and I’ll (once again) go through all articles to make sure they’re up to date over the next couple of weeks.

One feature I really missed was the ability to edit articles without logging in as admin. I frequently post links to articles about specific credit or FICO scoring concepts and sample disputes for subscribers who post questions in the CreditFactors member forum as well as for my clients with private forums.  And that’s when I see typos or the need for updates, but it was too disruptive to have to go into admin and get sidetracked instead of staying focused on the client’s or subscriber’s problems.   So the new quick editing feature was my primary reason for the upgrade.

Now I’m thrilled with the many new features!

The option to get EMAIL notifications of CHANGES to articles and not just for new articles in a certain category is fantastic. My CreditSuit blog has 338 subscribers and 266 chose email notification over RSS and I have to admit that while I’m capable of subscribing via RSS, I much prefer an email notice for IMPORTANT subscriptions.

I really wish I could take advantage of the feature to have some articles available to the public and some for paying subscribers, but currently the entire installation is only accessible to subscribers so that subscriptions are activated automatically and instantly. And that’s really too bad, I’d love to show off how well organized and easy to use the CreditFactors knowledgebase is.  Maybe I’ll post some screenshots.

I’ve been VERY busy,  but am looking forward to making the best credit, collection and FICO scoring resource even better!

Welcome to the new CreditFactors blog

I hadn’t done any major updates for my CreditFactors site since 2003. Now that I’m almost done, I know why:

It’s a LOT of work!

I decided to move the site to a BLOG format and to focus on FICO scores, bugs, new discoveries, credit reporting and collection issues. With over 2000 posts, the CreditSuit.org blog searches yield too many results.

I might also add a section for problems that should be addressed by the legislature here. I’ve seen several collection white papers written by collection associations and attorneys, but I have not seen these issues addressed by any CONSUMER groups.

Hopefully, Credit Pros will be regular readers.

After many years of one on one consulting with consumers, I realize that credit has become so complex, the average person can not be expected to study hundreds of hours and learn how credit and scoring work.

Unfortunately, most credit repair outfits are as clueless as any consumer.  I’m appalled by the many credit repair business opportunity scams in my inbox. The emails promise huge profits for people with NO credit expertise whatsoever. Their advertised software is 200% crap.  I elaborate at credit software.

I’m hoping to educate Credit Pros through screenshots and maybe even slideshows.

We’ll see how much time I’ll have, but I certainly have intentions.

My next post will be about why it so important to review the credit reports BEFORE giving advice.  One of my client’s took the advice I gave him about unrated TU accounts and he passed it on to his fiancee.  Not good!

I also want to post the score factors proving that Trans Union still rates AU accounts, despite Fair Isaac claims that authorized user accounts will be ignored for FICO 08 TU scores. As the score factors prove, they are only partially ignored.

However, first I have to get everything working here.  Please let me know if you find bad links, typos, etc.

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