FICO Score Versions
90% percent of Lenders use the FICO score Model when making decisions, but most people do not know what FICO Version they are using....
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Valiant Credit Services
- Jan 30
- 5 min
Which Credit Score Do Mortgage Lenders Use?
Most lenders use FICO® scores from all three credit bureaus when evaluating your loan application. Your score will likely be different...
Valiant Credit Services
- Jan 15
- 4 min
2024 FCRA LAWS TO WATCH
Numerous bills have been introduced by Congress with the aim of amending the FCRA. Additionally, on the state level, many lawmakers have...
Valiant Credit Services
- Nov 8, 2023
- 4 min
How To Remove LVNV Funding From Your Credit Report
Who is LVNV Funding LLC? If you have been contacted by LVNV Funding LLC, you might be wondering who they are and why they reached out to...
Valiant Credit Services
- Jun 1, 2023
- 14 min
2023 Home Buyer Guide
You're about to have one of the most amazing and rewarding experiences ever: buying a home. If you're trying to figure out where to start...
Valiant Credit Services
- Jun 1, 2023
- 3 min
NO DOWN PAYMENT MORTGAGE LOANS IN NC
For many borrowers, soaring prices and high interest rates can make it difficult to purchase a home or even an investment property....
Valiant Credit Services
- Feb 16, 2023
- 5 min
FICO 10 Credit Scores and What You Need to Know
The FICO 10 model will be released this summer and could drop your credit score by 20 points when the model looks at past due debts and...
Valiant Credit Services
- Jan 12, 2023
- 3 min
BANK STATEMENT MORTGAGE FOR SELF EMPLOYMENT
A bank statement mortgage can be helpful if you’re self-employed, and large tax deductions make your income look much smaller than it...
Valiant Credit Services
- Jan 4, 2023
- 3 min
New Credit Law For Medical Bills
Learn How the No Surprise Act (NSA) can effect you. The NSA protects consumers from "surprise" medical debt from services. On July 1,...
Valiant Credit Services
- Dec 28, 2022
- 3 min
Wells Fargo to Pay $3.7 Billion for Mistreating Customers
Wells Fargo and Co. reached a $3.7 billion settlement with federal regulators, including a record $1.7 billion fine, to cover allegations...
Valiant Credit Services
- Dec 28, 2022
- 3 min
2023 List of Rental Reporting Companies
Tenant screening companies provide information such as credit history, eviction information, rental history verification, identity...
Valiant Credit Services
- Sep 28, 2022
- 4 min
Experian Loses Class Action Lawsuit
Experian to pay $22.45M settlement for claims over inaccurate credit reporting The Fair Credit Reporting act (FCRA) was passed in 1970...
Valiant Credit Services
- Sep 19, 2022
- 5 min
2022 Student Debt Relief Plan Explained
As many as 43 million Americans are expected to have some or all of their federal student loans forgiven. What the program means for you,...
Valiant Credit Services
- Sep 19, 2022
- 5 min
How to Score Top Credit Card Offers
As a young adult just starting out, you may not have a stellar credit score yet. While this can be frustrating, it doesn’t mean you are...
Valiant Credit Services
- Jul 18, 2022
- 2 min
ZERO DOWN PAYMENT MORTGAGE LOANS IN NC
Mortgage banks offer different financing options and down payments on their loans. Below are A few banks in North Carolina we recommend...
Valiant Credit Services
- Jul 7, 2022
- 7 min
Micro Apartments: Are These Small Living Spaces Right For You?
June 28, 2022 by Jamie Forbes Updated on July 6th, 2022 Finding affordable apartments has become a challenge, especially as inflation...
Valiant Credit Services
- Jun 29, 2022
- 4 min
2022 Most Commonly Used FICO Score Versions
90% percent of Lenders use the FICO score Model when making decisions, but most people do not know what FICO Version they are using....
Valiant Credit Services
- Jun 27, 2022
- 3 min
Government to Cancel $6 Billion in Student Loans
The Department of Education agreed on June 23 to cancel the student loan debt of about 200,000 borrowers, wiping out about $6 billion in...
Valiant Credit Services
- Apr 21, 2022
- 14 min
2022 Homebuyer Guide
You are about to embark on one of the most amazing and rewarding experiences that can ever come from spending money: buying a home. If...
Valiant Credit Services
- Apr 18, 2022
- 3 min
What are Requirements for an FHA Loan Approval?
FHA loans have been helping people become homeowners since 1934 What is an FHA Loan? A Federal Housing Administration (FHA) loan is a...
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