The CreditFactors Subscriber Resources and Forum
The CreditFactors knowledgebase contains the most complete and up to date information about FICO credit scores, what and how to dispute with credit bureaus and collectors and how to settle collections and charge-offs.
The CreditFactors LEGAL knowledgebase contains credit and collection litigation resources, filings by attorneys, legal opinions and case law regarding lawsuits for consumer law violations as well as defense against suits by creditors and debt buyers.
The CreditFactors Subscriber Forum.
When you don’t know how an account should be reported, whether incorrect reporting damages your FICO scores or when you need help with analyzing FICO score factors, you can post the account and/or score factors in the CreditFactors forum. Summarize your financial situation or post any question.
I will assist subscribers free of charge as time permits. Please note that I am NOT an attorney and I can NOT give you legal advice or write your court filings. I can only provide you with resources such as sample filings for you to modify and help you find relevant case law.
CreditFactors Resources
- develop your strategy & order the right credit reports for your purpose
- decide whether it’s worth the effort to improve your credit
- analyze the myFICO credit reports & detect relevant incorrect data
- analyze FICO score factors & improve your scores
- determine what to dispute, what NOT to dispute and how to dispute
- dispute collections, negotiate and settle debts
- “hard” and “soft” inquiries, FICO deduplication
- permissible purpose and $1,000 statutory damages
- decide whether to STOP paying your unsecured debts
- decide whether to STOP paying your mortgage or auto loan
- determine whether you are judgment-proof
- filing for bankruptcy - long term planning
- “after bankruptcy” common incorrect reporting
- your rights under the FCRA - FDCPA - FCBA - RESPA
- legal resources for consumer litigants and attorneys
Credit and finance are complicated issues.
Every person has different objectives, resources and capabilities.
If you want to improve your FICO scores and you do NOT have the time to read the materials, the money to pay for the myFICO reports and the ability to analyze your FICO score factors, do NOT subscribe to CreditFactors.
Many CreditFactors subscribers significantly increase their FICO scores, settle accounts or otherwise resolve their issues, but it isn’t easy. Merely paying for the subscription will do NOTHING for your credit.
While it sounds appealing to pay credit repair lawyers a monthly fee and to not have to do any work yourself, I recommend that if you want permanently LOWER FICO scores, copy and mail the
Lexington Law or Bradley Ross dispute letters.
If you’re serious about improving your FICO scores, subscribe to CreditFactors and before you dispute anything, learn what NOT to do.
I do NOT think that everybody should strive for the highest FICO scores.
You have to consider the value of your time and the ongoing struggle to maintain high scores.
Credit scoring and reporting are complicated, continually change and it takes time to learn what and how to dispute. Of course it is well worth the effort if you are financing big ticket items such a car or home.
CreditFactors is for you if your credit is IMPORTANT.
Learn what to dispute before you dispute!
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