Stratton Credit Solutions LLC

Boss CONSULTANT'S COMING SOON

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Boss CONSULTANT'S COMING SOON

WHAT YOU NEED TO KNOW
The FICO 10T Suite is the newest FICO credit scoring model, consisting of two scores: FICO 10 and FICO 10T.

FICO 10T represents a new take on credit scoring with the use of trended data, which looks at how consumers have managed their financial accounts over the previous 24 months or longer, including things such as whether they carried a balance from month to month or consolidated their debts during that time.

 This is meant to give lenders more insight into how someone handles their finances. FICO 10 and 10T scores can be used by lenders to assess credit risk when a person applies for credit cards, car loans, personal loans, and mortgages.

FICO 10 and FICO 10T won’t replace earlier versions of the FICO credit score, however, and lenders can continue to use those older models. Many lenders still rely on the FICO 8 credit scoring model, for instance, for credit approvals with products such as credit cards and personal loans. For mortgage loans, lenders may use different versions, such as FICO 2, FICO 4, or FICO 5. Car loan issuers can use the same options: FICO 2, FICO 4, FICO 5, or FICO 8.

Hello it’s tax refund season when you get your refund pay down your credit cards or if you don’t have credit cards take $200 and get a secured credit card to build credit

I got my dispute letter back for my personal information to be updated and to remove all old addresses and other information

I been working on a PowerPoint to share with everyone who wants to know about how to start building a healthy credit and what the lenders look for when they check your credit report it’s not about your credit score it’s about the history of your payments first lenders want to see if you are paying back the money that you owe other lenders and how long you been with open accounts and the utilization of your spending which is how you build your credit score up ⬆️  here is some secured credit cards that will help you build credit. 

Rules
1. Do Not Dispute Any Accounts Online Never 👎🏽
2. Always Dispute Accounts VIA USPS Mail 👍🏾

Sending out my first around of dispute letters for my my client may God let them fall in the right hands of a person who will do their job by following the laws because the credit bureaus are a hot mess trust me I know been on the phone with so many times before they get it right.

A successful credit repair business is about enforcing the FCRA & FDCPA laws.
1.The Fair Credit Reporting Act (FCRA) is a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. The law regulates the way credit reporting agencies can collect, access, use and share the data they collect in your consumer reports.

2.The Fair Debt Collection Practices Act (FDCPA) (15 USC 1692 et seq.), which became effective in March 1978, was designed to eliminate abusive, deceptive, and unfair debt collection practices.