Credit Blog

Credit Education and Conversation 

What no one tells you about your credit report.

This blog was created for the purpose of providing regular people like you and me valuable information on how to successfully leverage credit for the purpose of financial gain. It's true that our school system does not teach financial literacy and the importance of credit, lessons that most people will have to learn through trial and error. Bankruptcies, tax liens, collections, maxed out credit cards are all the results of being financially undereducated. As a result upwards of $1,000,000 will be spent on sub prime interest rates depriving many of us from truly getting ahead in life financially. I want to change the narrative by informing you of what no one tells you about your credit report. 

Did you know:

  • More than one in five consumers have a "potentially material error" in their credit file that makes them look riskier than they are.
  •  Equifax, Transunion and Experian is not responsible for the accuracy of your credit report; you are.
  • The Equifax data breach exposed the personal information — home addresses, Social Security numbers, etc. — of 143 million consumers.
  • Derogatory items such as bankruptcies, tax liens, collection accounts, delinquent payments and student loans can be deleted from credit reports reports earlier than the recommended 5-10 year wait period. 

When was the last time you truly reviewed you credit report? Are you certain the information being reported is accurately representing your financial story? 

If you can't answer these question confidently its time for a credit check up!

Don't just take my word for it check out this article: The real problem with credit reports is the astounding number of errors published by Aaron Klein, fellow at the Brookings Institute. 

To speak with a credit repair specialist click here.

Consultations are free.

Frederick TolbertComment