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Category Archives: Credit Score

Why is my Credit Karma score different?

Credit scores are complicated, and the answer to why creditkarma.com is different from freecreditscore.com or the credit scores you see for mortgages, car loans, etc. is even more complicated.

First, there are many different variations of credit scores, but the most […]

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Why do I need credit?

Living within your means by paying cash for everything and not having any debt sounds pretty good right? Well, from a credit standpoint it’s bad.  In fact, it may cause you to have “bad credit” or no credit at all.
Why? […]

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How to negotiate debt!

By Rochelle Belnap, The Arizona Credit Law Group, PLLC
We see it all the time.  You have accounts in collections, you call the debt collector, pay them the full amount they are asking for, and then months or years later the […]

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What is FAKO v. FICO?

By Rochelle N. Belnap, The Arizona Credit Law Group, PLLC
You may wonder what is this FAKO/FICO thing people keep blogging about. Up until last year, credit monitoring companies were selling you credit scores that companies like banks, car dealerships, and […]

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