Credit Expert Blog Posts

CFPB Sues Lexington Law & CreditRepair.com

In light of the recent actions of the Consumer Financial Bureau (CFPB) accusing Lexington Law and CreditRepair.com of violating federal laws Illinois Credit Services President Jim Droske has prepared the following response. I want to take this opportunity to explain...

Top 7 Reasons to Not Use a Credit Repair Company

Of the hundreds (if not thousands) of credit repair companies across the country, Lending Tree interviewed president Jim Droske for this article. Beware of just jumping on the internet because you might find a lot of firms that make excessive promises, said Jim...

Why Credit is Essential in a Digital Economy

Why Credit is Essential in a Digital Economy Our economy is tipping more and more to everything being a digital transaction. Don't think it's true? When was the last time you had more cash on you than you did on your debit card? The truth is that most people view...

How to Improve Your Credit in Chicago Illinois

Better credit can improve your quality of life. The question is How do you Improve Your Credit around Chicago Illinois. To help you take control of finances we've put together some options to help you decide. Why Do You Need to Improve Your Credit? Your credit impacts...

Equifax Data Breach – By the Numbers

You have almost certainly heard about the big data breach at Equifax that was announced in September 2017. Each one of us has better than a 50/50 shot of being one of the 147 million people whose personal information was hacked during that breach.  The announcement...

Protect Your Child’s Identity

Now more than ever, it is important to protect your child's identity. Too often, many people think that identity theft can't happen to a minor but that is far from the case.   Fraudsters and scam artists often target minors and hack their identity to open new...

The Cost of Bad Credit

The cost of bad credit is no joke.   Your credit and credit score can have a serious impact on how much money your auto loans and mortgages could cost you.   WATCH this short 2 minute video to learn how bad credit can cost you thousands of dollars of your hard earned...

How to Delete Bad Credit

There is nothing more frustrating than being denied a loan or being asked to pay a higher interest rate. One of the biggest reasons why this could happen to you is because of a low credit score.  Your credit score could be lowered if bad credit information appears on...

Average Credit Scores

Credit scores seem to be the magic 3-digit number that determines if you can get approved for a loan and how much that loan will cost.   In large part, your credit scores can determine what you can (and cannot) buy and how much those things could cost you.  The...

How to Improve Your Credit Score

Most people understand the basics, like how failing to make a payment will cause your score to go down but there are a number of complexities that trip up the average consumer. If you pay your debts on time, don't carry too much debt on any one card, don't close older...

Equifax Data Breach

EQUIFAX Breach - What you should do now? Okay folks, here it is...what you need to know, how to do it, the links, the whole 9 yards. The info I'm sharing with you contains some info that many public articles don't have all in one place. I'll also give you my opinion...

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