Patrick Ritchie's (patrickritchie) Blog

Tomorrow, Monday 12/21 Two Renewal Hours Classes Credit Scoring and Intro to Short Sales, RSVP to Patrick@TheCreditRoadMap.com or call 480-203-4641. Class:             Credit Scoring Date:              Monday, December 21st, 2009 (tomorrow) Location:         First American Title                  ...

I am on the panel for this event and wanted to put it out there for anyone interested in attending, I believe there will be 6 speakers total during the Q and A portion. Registration is at the bottom: Short Sale Issues in Real Estate: An Industry Forum Tuesday, February 03, 2009 8:30 am - 1:00 pm ...

Question from student: I have a client that is struggling but has good credit. She is thinking about calling one of those credit card settlement companies you hear advertising on radio. They promise to negotiate with the credit card companies to drop all ongoing finance charges, fees and settle f...

Take a look at all the credit cards reporting on your credit report. Do you recognize them all? When I was 18 I signed up for a Lazarus Department Store credit card. Lazarus no longer exists; it was absorbed by Macy's. My Lazarus card became a Macy's card. The account has a long history, zero bal...

This is the time of year where we make those commitments that are supposed to last us through the year. Gyms are packed in January, then by February they are back to normal. When it comes to credit we don't have to commit to daily or weekly goals, just a once a year check-up. Go to the government...

On page 47 of the January issue of REALTOR Magazine is an article I wrote called Rx for Buyers' Credit. In case you tossed the magazine you can view online at http://www.realtor.org/rmolaw_and_ethics/articles/2009/0901_law_credit. The February issue will have a follow-up article. When the article...

I did a radio interview on 1330 AM in Tucson, AZ; one of the callers had a question I hear a lot: "What do I do if a collection I have paid is still reporting as past due"? First of all it is important for anyone who pays a collection to realize the collection agency isn't necessarily going to go...

  When it comes to credit, prevention and protection are the best methods to maintaining good credit. What that means is making sure the bad stuff never gets on there in the first place, prevention. One method of protection is to make sure your credit score is so high that if something does slip ...