The Partnership for Housing Recovery and Sustainability

Did you know that paying off an account in collections can actually drop your score? We paying off, negotiate for deletion

When disputing information on your credit report you need to be familiar with E-Oscar the credit bureaus' A.D.V.S. Why you write disputes.

Credit bureaus are for profit companies that get paid in two ways, selling your data and charging creditors for responding to disputes.

Hard inquires can impact your credit score by as many 5 points to 60 points depending on payment history, balance on credit cards, and neg accts.

There are 17 different items you can dispute on your credit report; such as: date opened, date closed, high balance, inquires, late payments.

There are two types of inquires on a credit report. A soft inquiry doesn't effect your credit score. A hard inquiry does effect your score.

Getting approve for a mortgage requires a minimum of 6 months of good payment history regardless of your credit score.

Secure credit cards are the quickest and way to improving your credit score. It will take approximately six months to see the impact.

Did you know on a credit report that there are over 17 different items to dispute per tradeline? Such as date opened, date closed, high bal,

nearly 40% of consumers have a credit score below 660. That means 4 out of 10 Americans would likely be denied for a mortgage and auto loan.

Sustainable homeownership can only be achieved by increasing your credit iq, managing your finances, and pre and post homebuying classes.

Did you know that paying your credit card balance down to 30% or less will increase your credit score? Thereby saving your money.