At Credit Law Center, we hear it all the time: “I want a perfect 850 credit score.” On paper, an 850 sounds impressive. It’s the highest score possible under the FICO® model and often treated as the gold standard of financial responsibility. But in practice, a perfect score is far less important—and far less useful—than […]
Monthly Archives: March 2026
Credit Score, Financial Info, Mortgage
A Consumer-Focused Look at Hawley’s Investigation Into FICO’s Mortgage Credit Scoring Costs
24
Mar
Mar
For many people trying to buy a home, credit scores already feel like a black box—powerful, confusing, and often expensive. That’s why recent action from Senator Josh Hawley is drawing attention from consumer advocates and credit professionals alike. Sen. Hawley, a Missouri Republican, has announced an investigation into Fair Isaac Corporation (better known as FICO) […]
17
Mar
Mar
How Your Score Is Costing You Thousands Back when I graduated high school (a few years after dinosaurs walked the earth) I had absolutely no idea how detrimental my credit score would be to my future purchases. My brother was sitting pretty with a 750 credit score and financed his new car at an extremely […]
Building Credit, Credit Cards, Credit Repair Blogs, Debt Consolidation, Mortgage
How Falling HELOC Rates Are Creating New Credit Repair Opportunities for Homeowners
12
Mar
Mar
Over the past 18 months, a major financial shift has occurred that many homeowners may not have fully recognized: home equity in the United States has reached historic levels. For consumers struggling with high credit card balances or revolving debt, this development may present a powerful opportunity to strengthen their financial standing and improve their […]
05
Mar
Mar
You’ve worked all year and paid in your income tax to the Government on each paycheck. Now, for many of you, you will file your taxes with the expectations of getting that colorful Department of Revenue tax return in your mailbox! Now what? Shopping spree? Vacation money? If that’s your first thought, you are not […]