You are hereCredit Education
Credit Education
Why Personal Coaching?
You have heard the saying: "Feed a man a fish and you feed him for a day. If you teach a man to fish you feed him for a lifetime." I have simplified all aspects of credit and borrowing. I have taken something very complex and confusing and have made it simple and easy to understand.
Rob Dycus
In 1993 Rob earned his masters degree in Education from Arizona State University. He enjoys helping people learn and master new skills. Rob started MyCreditRepairCoach.com because so many people have been hurt by credit reporting mistakes and don’t understand how to fix, manage, and build credit. “Jo is an outstanding person and partner. Her experience as an attorney and my experience in credit management give our customers a unique service different from what others can offer.”
Facts for Consumers from the Federal Trade Commission
help and advice from the Federal Trade Commission
Credit Scores
Credit scores are a numerical value assigned to your credit report. Higher credit scores = better credit. While the credit bureaus say the range is from 450-850. The highest I have seen is 820 and the low 480. The bureaus don’t disclose their secret formula for determining a credit score but after years of experience and speaking to many credit experts I will reveal several useful hints to help improve your score. Here is a brief summary of credit scores and how they relate to obtaining credit and low rate offers:
Credit Bureaus
There are three main credit bureaus. Each bureau keeps their own set of records. While each bureau works a little differently the concepts and techniques are the same. Your creditor can choose not to report to any of the bureaus or can report to any combination of the three. In some areas of the country some bureaus are more often utilized. We will focus on all three bureaus to obtain maximum results.
- Equifax www.equifax.com
- Transunion www.transunion.com
- Experian www.experian.com
