AZCLG a consumer rights firm located in Tempe

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Why is my credit karma score different? Credit Scores, AZCLG Tempe, Phoenix

Why is my Credit Karma score different?

By Rochelle / April 25, 2017 / 0 Comments

Credit scores are complicated, and the answer to why is different from 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 common producer of credit scores is FICO. Yes, there are others, even Equifax, Experian […]

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Credit Scores and Mortgage Lending, AZ Credit Law

Credit Scores & Mortgage Lending

By Rochelle / May 5, 2016 / 0 Comments

When it comes to buying a house the first thing most mortgage lenders look at is your credit score. Why? Because it is one of the biggest factors in determining if you can even qualify for a loan. Before we give you a break down of credit scores you first need to know that lenders […]

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Credit Confusion help

Why do I need credit?

By Rochelle / September 21, 2015 / 0 Comments

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? Because credit scores are based on your ability to manage debt. So if you […]

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Debt Negotiation Debt Help

How to negotiate debt!

By Rochelle / April 7, 2015 / 0 Comments

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 same debt is still haunting you and a new company is trying to collect. […]

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Need to know about your FICO Credit Score?

What is FAKO v. FICO?

By Rochelle / March 30, 2015 / 0 Comments

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 credit card companies were not using to determine your credit worthiness. These scores were […]

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Credit Scores do matter

What is a Good Credit Score?

By Rochelle / February 23, 2015 / 0 Comments

By Rochelle N Belnap, The Arizona Credit Law Group, PLLC These days everyone needs credit and your credit directly impacts your pocketbook.  Bad credit or no credit will cause you to pay higher deposits for utilities like gas, water, and even cell phones.  It will also increase your insurance rates, and can hurt your ability […]

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