Data Facts Lending Solutions Blog

4 Tips for Protecting Your Identity During the Holidays

Posted by Matt Holmes

Dec 19, 2020 9:02:00 AM

Christmas is almost here, but if you’re like many holiday shoppers, chances are you’ve barely begun your search for holiday gifts. If you’re waiting until this week, take some additional precautions with regards to your personal information. This year, there are millions of consumers spending millions of dollars, on thousands of websites, in a condensed amount of time. It’s a fraudster’s dream come true, and it’s why you need to be extra vigilant. Here are some tips to keep your identity safe this holiday season:

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Topics: credit cards, Holiday tips, Credit Report

5 Tricks That Can Improve Your Applicant’s Credit Score

Posted by Matt Holmes

Mar 2, 2020 9:02:00 AM

As a loan originator, you’re exposed to many different credit profiles. You’ve run the gamut, and you’ve seen the good, the bad, and the ugly. But nothing can compare to denying a mortgage to someone on the basis of their credit risk. Not only is it frustrating to lose business, but having to break the bad news to a mortgage applicant can be crushing.

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Topics: Credit Score, Improve Credit Score, credit cards, Credit Bureau

How to Protect Your Credit Score During A Government Shutdown

Posted by U.S. News and World Report

Jan 22, 2019 1:11:43 PM

This article was originally posted at Washington's Top News by U.S. News and World Report, and can be accessed here.

If you’re one of the 800,000 federal employees who are not getting paid during the government shutdown, you’re in a tough spot, for sure.

Most likely, you’ve morphed into survival mode, which may or may not include thinking about your credit score. I totally get that. But what if I told you it’s possible to get through this with an (almost) intact credit score?

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Topics: credit cards, credit history, medical debt, Credit Report

Worried About Your Credit Score? 4 Tips for Reviewing Your Credit Report

Posted by Susan McCullah

Sep 13, 2017 10:36:52 AM

 In light of the Equifax security breach, consumers are concerned about their credit report. Advice is everywhere on how to handle this issue. Regardless of whether or not you decide to freeze your credit, you need to CHECK YOUR CREDIT REPORT!

So, what do we mean by that? What are you supposed to be checking?

As a leading mortgage lending services provider, here are our suggestions:

While pulling your credit report at least once a year is very good advice, a person needs to know what to look for when reviewing their information.

You can actually check your credit 3 times a year at no charge.

Goto which is a website sponsored by the three credit bureaus. You can pull one bureau once a year for free. Simply enter your information and order a one-bureau credit file.

Then what? 

Start with these tips to make certain you understand the information on your credit report:

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Topics: Data Facts blog, wordpress blog, Data Facts, Credit Score, Collection accounts, Collections, credit cards, credit history, mortgage lending services

Spending Mistakes Smart People Make Over the Holidays

Posted by Susan McCullah

Nov 2, 2015 9:47:00 AM

December is a time for families and friends to come together over the holidays. However, the last month of the year can also be a big budget buster that can leave you broke and in debt if you aren’t careful.

We have created a breakdown of mistakes smart people make over the holidays that result in January being hard to bear. Avoiding these actions can help you make certain you roll into January with some money left in your pocket and your credit score intact.

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Topics: Data Facts blog, wordpress blog, Credit Score, finances, credit cards, Holiday tips, credit history, Budget

Must Know Tips To Protect Your Credit During A Divorce

Posted by Jennifer Hamby

Aug 20, 2015 9:47:51 AM

In the unfortunate event that you get a divorce, worrying about your credit score may be the last thing on your mind. However, even during the most trying times of our lives, the world keeps spinning and the fact is, divorce can greatly impact your finances and credit history.  With close to 50% of all marriages ending in divorce, and divorce finalization taking close to 1 year to complete, protecting your credit along the way is critical to your financial future. 

Below are some helpful tips on how to get thru a divorce without damaging your credit.

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Topics: credit reports, divorce, Credit Score, credit cards, Credit Bureau


Posted by Johnna Leeds

Jul 15, 2015 10:05:00 AM

In today’s financial climate, it is becoming more evident by utilizing bundled services from a single provider Lenders will be able to serve clients more effectively, profitably and will emerge as industry leaders.

Why should you bundle services? First of all, one vendor equals fewer headaches. It standardizes operations and saves time. You don’t have to call, email and wait for responses from multiple vendors. Secondly, it builds a stronger relationship. This makes for a more positive overall experience. Lastly, it helps you to stay in compliance. Compliance is ALWAYS a top priority. Bundling services minimizes the risk of being out of compliance by having all your paperwork from ONE source. Your chosen vendor should be constantly providing compliance information for your records.

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Topics: Data Facts blog, Identity theft 2012, Identity theft, FCRA, wordpress blog, Data Facts, Mortgage loan, Mortgage, Credit Score, Mortgage compliance, mortgage fraud, AVM's, Improve Credit Score, credit cards, credit history, Automated Valuation Model, Compliance, mortgage news

The Importance of Good Credit

Posted by Jennifer Hamby

Feb 25, 2015 10:00:00 AM

Want to save thousands of dollars on all your biggest purchases?  Then there’s only one thing you need to do: MAINTAIN GOOD CREDIT

Today's economy runs on credit. If you want to get a mortgage loan for a house, or a student loan to pay for college, or if you simply want to purchase lunch, or gas on a credit card, somewhere a company is extending credit to you based on your creditworthiness.  Your “creditworthiness” is defined by your three-digit credit score and is the key to your financial life.  

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Topics: credit reports, Credit Score, Improve Credit Score, credit cards, credit history

Holiday Shopping Tips to Help Protect Against ID Theft

Posted by Jennifer Hamby

Nov 26, 2014 9:51:00 AM



Holiday Shopping season is an identity thief’s dream come true.  Millions of people, spending millions of dollars,  in thousands of stores, both in stores and online, in a condensed amount of time.  It is a treasure trove of victims, ripe for the picking.  This is why it is more important than ever to take special precautions when shopping both online and in stores this holiday season.

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Topics: Identity theft, Data Breach, credit cards, Holiday tips

Tips to Protect Your Identity After A Security Breach

Posted by Jennifer Hamby

Sep 3, 2014 9:32:00 AM

Oh no, not again!  Home-improvement giant, Home Depot stated it was currently investigating a possible breach involving “unusual activity that might indicate a possible payment data breach”.  This is the latest, in several data breaches, affecting some of the nation’s largest retailers.  While we are still unclear as to the extent of this latest breach, one thing is for certain:  you can never take too many precautions to help protect your identity!

Below are steps and recommendations that may help to protect you from potential misuse of your credit and debit information.

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Topics: Identity theft, Data Breach, Credit Freeze, credit cards

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