I was able to attend a seminar with John Hudson and Red Phoenix Consulting http://www.redphoenixco.com. I learned how to evaluate my credit and help others do the same. One of the main takeaway messages I got was that free credit reports don’t mean much. They are typically taken from just 1 out of the 3 credit bureaus and can be 35 points higher than if you get your report from a mortgage originator or from http://www.myfico.com. This helped me understand why so many buyers think their credit is much higher than it actually is.
Bottom line. . .you get what you pay for. You can get a bogus free credit report or pay $20.00 for one that means something. If you are looking for ways to improve your credit after a divorce, bankruptcy, short sale or foreclosure, talk to John. He is VERY knowledgable with credit issues as he has experienced many himself and he is passionate about helping people get out of a bad credit situation.
GREAT Resources for you: