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 […]
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 […]
19
Feb
Feb
Why choose a Law Firm for Credit Repair? The fact is, there are many Credit Repair Organizations operating in the US right now. There are many good companies out there that have the best interest for their clients at heart. Then again, there are many who don’t. To be perfectly honest, there is no reason […]
25
Nov
Nov
It’s happened to me. It’s happened to thousands of people. You go to look for your wallet and it’s nowhere to be found. In my case, the thief was only after the cash. All of my credit cards, Driver’s License, and the rest of my belongings were untouched. A city bus driver found it when […]
07
Nov
Nov
Big News for Homebuyers: Fannie Mae Removes 620 Credit Score Minimum—What It Means for You At Credit Law Center, we’re excited to share a major development that could open new doors for individuals working to rebuild their credit and achieve homeownership. Starting November 16, 2025, Fannie Mae will no longer require a minimum credit score […]
29
Oct
Oct
Buying your first home is a daunting milestone in everyone’s life and can bring both joy and anxiety when beginning the process. One large source of anxiety comes from the ever looming need of an exceptional credit score to aquire acceptable rates. For those that meet this criteria as displayed by your credit monitoring service; […]
23
Oct
Oct
Less Than Perfect Credit Scores and Living Situations. Many families deal with tough situations when it comes to rentals and the landlords that come with them. According to the Business Insider, more Americans are renting than at any time in the last 50 years. I can recall a time when I rented a home that had […]