Linda Ferrari

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310-283-4782
 
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HOW TO USE & MANAGE YOUR CREDIT CARDS FOR MAXIMUM POINTS

May 17, 2014 by lferrari 2 Comments

When managing your credit, you may not realize that some factors matter more than others, or, like most consumers, you may not know that there are factors involved at all. Most of us think that if we pay our bills on time that we have a handle on our credit, but this is not the […]

Filed Under: Credit Scores

10 Steps To Strong Credit Reports & Scores: Part One – Set Your Score Goal

October 15, 2013 by lferrari Leave a Comment

In an economy riddled with increased expenses and stringent credit standards, the businesses and households that will successfully navigate through the economic hailstorm will do so because their credit scores will get them access to credit and cash, empowering them to forge ahead and capture opportunity while those around them fold. Great fortunes are made […]

Filed Under: 10 Step Action Plan, Articles, Credit Education, credit improvement, Credit Repair, Credit Reports, Credit Scores, Establishing Credit, Improve Credit Scores, Linda Ferrari Credit Expert, Newsletter, Re-establishing Credit

Where Do Credit Reports Come From?

September 1, 2013 by lferrari Leave a Comment

Although credit scoring has been around since the 1950s, it wasn’t until the 1980s that it hit mainstream in the United States. Before that, lenders would use human judgment and personal opinion when evaluating a credit report to make a decision on an applicant’s ability to repay debt. Not only was this a very slow […]

Filed Under: Articles

Fact Sheet: 15 Reasons Why Your Score Is Low

August 1, 2013 by lferrari Leave a Comment

Your credit score can be confusing. How do you know whether or not you have “good” credit or “bad” credit? It will benefit you to learn what influences your credit score, and what you can do to improve it. Why It Matters Your credit score is one of the most important tools creditors use to […]

Filed Under: Credit Scores, Education Fact Sheets Tagged With: credit education, Credit Repair, credit report, credit score, FICO, Linda Ferrari

Credit Myths That Put Your Score At Risk

June 1, 2013 by lferrari Leave a Comment

It seems everywhere you look, some program or Web site offers credit fixes, offers and deals that make it seem so easy to consolidate debt or, worse, get “easy credit” to buy the things you need. They offer “free credit analysis”-many of which will most likely lead you down a path of credit destruction. Most […]

Filed Under: Credit Myths Tagged With: Credit Cards, Credit Myths, credit report, Credit Scores, Linda Ferrari

It’s Never Too Late To Improve Your Credit

May 2, 2013 by lferrari Leave a Comment

Many of my clients come to me for assistance in helping them clean up damaged credit scores even though they already own a home. They know that improving their credit scores will save them money on many things such as car insurance, automotive loans, or any other type of loan. The goal is to secure […]

Filed Under: Articles, Credit Education, credit improvement, Credit Repair, Credit Reporting System, Credit Reports, Credit Scores, Improve Credit Scores, Re-establishing Credit

Credit Tip: How Do Inquiries Affect My Credit Score?

April 1, 2013 by lferrari Leave a Comment

Question How do inquiries affect my credit score? Answer There are two types of credit inquiries. Hard Inquiries and Soft Inquiries. Only Hard Inquiries impact your credit scores negatively, and depending on the condition of your credit at the time the inquiry hits your reports, you can lose anywhere from 2-25+ points. The good news […]

Filed Under: Quick Credit Tips Tagged With: Credit Repair, credit report, credit score, Hard Inquiry, Linda Ferrari, Mortgage, Real Estate

Credit Tip: What Are My Rights When It Comes To Debt Collectors?

March 1, 2013 by lferrari Leave a Comment

Question What are my rights when it comes to debt collectors? Answer A debt collector may not use threats of violence or harm, use obscene or profane language; or repeatedly use the telephone to annoy someone, falsely imply that they are attorneys or government representatives; falsely imply that you have committed a crime; falsely represent […]

Filed Under: Quick Credit Tips Tagged With: credit education, Credit Repair, credit report, credit score, credit score expert, Equifax, Experian, FICO, Linda Ferrari, Mortgage, Real Estate, TransUnion

Just A Reminder – Changes in Credit Scoring and Reporting and How They Affect You

February 1, 2013 by lferrari Leave a Comment

While the roots of the modern credit report can be traced all the way back to 1898, the numerical credit score wasn’t devised until the 1950s and didn’t become a major part of the American financial system until the last twenty years. In 1956, Bill Fair and Earl Isaac devised analytical tools that attempted to […]

Filed Under: Articles, Linda Ferrari Credit Expert Tagged With: authorized user, credit expert, Credit Repair, credit report, credit score, FICO 08, Linda Ferrari Credit Expert, New FICO Model, Recent Changes In FICO

Credit Scores: Understanding the Basics

January 1, 2013 by lferrari Leave a Comment

Good credit is imperative because it is your golden ticket to financial freedom for right NOW and it prepares the foundation for financial security LATER. Isn’t that what we all seek? In planning for tomorrow by improving your situation today, you can eliminate the risk of limited financial security for your retirement years. You don’t […]

Filed Under: Articles Tagged With: credit education, Credit Repair, credit report, credit score, credit score expert, Equifax, Experian, FICO, Linda Ferrari, Mortgage, Real Estate, TransUnion

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Your Real Estate Expert
310-283-4782
linda@lindaferrari.com
13274 Fiji Way #300
Marina Del Rey, California 90292
CalBRE# 01949460

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