The name is frightening. As it should be. The practice of trying to collect on Zombie Mortgages can be just as frightening. So, what is a Zombie Mortgage or a Zombie debt? Well, it’s debt that is past the statute of limitations and cannot be used as weapon to bring a consumer to court to […]
Author Archives: John McCall
03
Oct
Oct
As a law firm specializing in credit repair and consumer financial rights, we view FICO’s launch of the Mortgage Direct License Program as a pivotal moment in the evolution of credit scoring transparency and affordability—especially in the mortgage industry. Historically, consumers have been subject to opaque pricing structures and limited access to the mechanisms that […]
05
Aug
Aug
What is Title Fraud and How to Prevent it Title fraud, also known as home title theft or deed fraud, is a type of real estate fraud where criminals use a homeowner’s personal information to forge a deed and steal their property. There has been an alarming uptick in this version of fraud. This […]
31
Jul
Jul
The Biggest U.S. Banks Find VantageScore 4.0 is a Quantitatively “Better” Credit Score for Mortgages SAN FRANCISCO, OCTOBER 29, 2024 – VantageScore, a leading national credit-scoring company, is the “better” credit score for mortgages according to leading U.S. banks. Recently, third-party research from those banks found that VantageScore 4.0 provides superior risk assessments than traditional credit score models […]
17
Jul
Jul
The next chapter in the Medical Debt Saga. In January 2025, the Consumer Financial Protection Bureau (CFPB) finalized a rule that would have removed medical debt from credit reports and prohibited lenders from using medical information in credit decisions. The rule aimed to help around 15 million Americans and eliminate about $49 billion in medical debt from credit reports. It was […]
17
Jul
Jul
I Want To Buy, Now! Are you preparing to purchase a home in the next few months? It seems that when we are not looking, a home just pops up and finds us, at a time when we were not even contemplating making a move. Then, boom! The rush is on to beat the clock […]
15
Jul
Jul
How Could You Be Hurting Your Credit? The more you know about how credit works, the better your score will be. This is because, without a lot of background knowledge, your own logic and reasoning will oftentimes fail you. There are a lot of factors that go into creating your credit score, so trying to […]
01
Jul
Jul
How Do Negative Items Affect Me? Negative items on your credit report could be what separates you from that home loan you hoped for or a decent financing for a vehicle. The good news is that if you happen to have these negative items on your credit report, there are still wats to mitigate their […]
19
Jun
Jun
From Gen Z to the eldest “Silent Generation, most seem to be managing their credit pretty well. Experian’s latest data from the second quarter of 2023, the average credit score is 716. Most American’s credit scores are floating near or that average. For members of Gen Z, defined as those between 18 and 26, the average credit score […]
16
Jun
Jun
As a law firm dedicated to credit repair and the protection of consumer rights, we understand the complexities surrounding credit reporting. In this article, we are going to focus to crucial components of the dispute process: Automated Consumer Dispute Verification (ACDV) and Automated Universal Dataform (AUD). Our commitment to educating consumers and advocating for their […]