Posted Mon, 03/22/2010 - 05:04 by Stacy Evans
Welcome to the Innovative Credit Consultants Blog!
Our credit repair blog is designed to provide members and visitors with steadily updated information, tips, and do-it-yourself methods to improve your credit score and expand your financial possibilities.
In addition to the information and short pieces that we post on a regular basis, we want to hear from our site members and clients too. We encourage you to provide us with your thoughts and feedback at any time to improve our services and expand our member community.
Read more Credit Repair Blog posts by Stacy Evans 
Posted Wed, 05/11/2011 - 02:06 by Stacy Evans
Technology & Identity Theft
In recent news a technology scheme targeted MAC users. MAC users were asked to download an antivirus program posing as an authentic and popular MAC service. Damage to actual hard drives has not been proven so it seems the ultimate goal was to obtain personal information and credit card information. This type of software breach is often referred to as a Malware attack.
Posted Fri, 12/10/2010 - 21:40 by Stacy Evans
Did you know that a collection agency is legally obligated to notify you of a collection in writing – even if they talk to you on the phone. The purpose of this practice is to allow a consumer the right/the chance to respond to the collection attempt and validate it.
Posted Mon, 09/20/2010 - 23:37 by Stacy Evans
"Credit" has been one of the many buzz words used by economists. But what is credit exactly? Did you know there are 4 types of credit?
Posted Tue, 09/14/2010 - 02:06 by Stacy Evans
Bankruptcy can legally stay on a credit report for up to 10 years. Getting approved for a line of credit after bankruptcy is challenging. Still it is necessary to build your credit back up by getting approved for credit lines and making payments on time consistently. It is during the re-building phase people find delinquent accounts are still on their credit report.
Posted Wed, 04/21/2010 - 22:57 by Stacy Evans
Does bad credit stay on my credit report for seven years? Are all three credit reports the same? Will paying for cash get me a better credit rating? Daily, questions flood in from consumers who have lost their way in the credit world. Many rely on Q&A forums with incorrect information from those who have been misinformed about how credit works. That is why it is best to seek advice from a professional credit consultant trained in the legalities of credit. Under the Credit Repair Organizations Act we at Innovative Credit Consultants are obliged to give you the credit advice you need, free. Getting the right information will prevent you from falling for the myths of credit and possibly save you a fortune.
Posted Wed, 04/21/2010 - 21:56 by Stacy Evans
Reading Your Credit Report
So you finally got around to ordering your credit report. Congratulations, you have taken the first step to improving your credit. Upon receiving it, you excitedly –or hesitantly- open the computer file or envelope. Once laying your eyes upon the report you are overcome with shock and horror as you are bombarded with numbers, “X’s”, addresses and unrecognizable companies. “How do I read this thing?” you think to yourself. Credit reports contain a myriad of information that can be quite confusing; but don’t go grey yet. This is a guide on how to properly read your credit report.
Posted Tue, 04/20/2010 - 20:38 by Stacy Evans
These Fun Facts represent just some of the research I conduct daily so that the ICC team can remain your top source for credit information. Learn about the history of credit as you improve your personal credit future.
Posted Mon, 04/12/2010 - 22:46 by Stacy Evans
The concept of credit may seem somewhat complicated to understand. The Insider Opinion blog is designed to give you insider information on the credit world and how it works.
What is credit?
Credit is borrowed money used to purchase items from everyday needs to properties. This money must be paid back, typically during a specific period of time. Lenders make a profit from the borrowed money by charging interest, a percentage of the sum of money owed. The interest varies for each line of credit and can change depending on factors such as whether or not you pay on time.
Posted Fri, 04/09/2010 - 23:12 by Stacy Evans
We can all agree that good credit gone bad doesn’t hold the same appeal as Fonzie, Danny Zuko or Fiona Volpe. Not paying your bills on time can lead to lasting negative effects if it continues unchecked. Your credit report is something that will follow you throughout adulthood. It is an on going process and doesn’t immediately hurtle into a downward spiral if you make a late payment once every six months. Bad credit takes effort –or lack thereof- and occurs from constant inquiries from those other than you, consistent late payments and collection agency reports. If, for whatever reason, you fall into this category or lack motivation to fix the issue, consider the effects of bad credit.
