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My Credit Guy Blog

My Credit Guy is the Top Rated National® Credit Repair Agency in the United States for a reason — we deliver results to our clients at a faster rate without skimping on customer service.

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What is Credit?

Imagine this: You just applied for your first credit card and it’s deemed for individuals with “excellent” credit. You have no idea what your credit score…

WHY PAYING COLLECTIONS CAN HURT YOUR CREDIT SCORE

In a previous blog post, we outlined some key things to NOT do to avoid negatively impacting your credit. One of those important activities to avoid was to be s…

YOUR CREDIT | HARD PULL VS. SOFT PULL

When it comes to credit, My Credit Guy hears questions every single day from folks all across the country. One of the most frequent questions we hear is, &#8220…

CREDIT TIPS – WHAT NOT TO DO

So you’re trying to get qualified for a home loan or financing of some kind.  Perhaps you’ve been doing all the things you’ve been told t…

WHAT YOU NEED TO KNOW ABOUT CO-SIGNING

Co-founder and CEO of My Credit Guy, Sam Parker, joined CW Iowa Live last week to discuss some key tips you want to know when it comes to your credit……

TRUE CREDIT REPAIR | MY CREDIT GUY

There is “credit repair”… and then there is real, actual credit repair. My Credit Guy performs the latter. To all the mortgage lenders out the…

HOW LATE PAYMENTS IMPACT YOUR CREDIT SCORE

Your credit score gets impacted in so many different ways (positively and negatively), sometimes it’s hard to keep straight just how much one thing can ac…

3 CREDIT PITFALLS TO AVOID

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DISPUTE VERBIAGE

Dispute Verbiage!? As if you didn’t have enough to worry about with getting your credit scores in order, making sure you had the down payment taken care of, a…

DOES SETTLING A COLLECTION HURT MY CREDIT?

Many time collection companies tell consumers that by paying less than the full balance they will be hurting their credit scores. This just isn’t true, ch…

DON’T RUIN YOUR CREDIT BECAUSE OF RUSH DECISIONS OVER THE WEEKEND!

Many people make purchases on impulse without considering or knowing the consequences. One purchase over the weekend could cost you 100 points!…

HOW DO INQUIRIES IMPACT YOUR CREDIT SCORES?

A lot of people think that Inquiries KILL their credit scores. In reality, inquiries have very little impact on the scores. However, the end result of an inquir…