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Barry Paperno

Specializes in

Credit Score debt credit score mortgages

Credit Tools

credit report

Credit report card

Free credit score and credit report snapshot

credit report

Calculators

Tools to help you take control of your financial goals

credit report

Free credit repair assessment

Ensure you have an accurate credit report

All of Barry's posts
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Credit Score

The 7 Biggest Questions About Debt Collections & Your Credit

7 facts to combat some of the fallacies that abound when it comes to collections and credit scores.

Barry Paperno

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mortgages

3 Things That Can Stop a Mortgage in Its Tracks

Your credit report could contain certain items that may not be seriously hurting your credit scores, but can bring the mortgage process to a halt.

Barry Paperno

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Credit Score

Does Your Credit Score Care What Kind of Credit Card You're Using?

Do different credit card types signal different things to lenders about a cardholder's creditworthiness?"

Barry Paperno

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Credit Score

5 Reasons Why Your Credit Score May Not Matter

While many reacted to last week's CFPB report with surprise that up to one in four consumer credit scores are significantly different than the ones lenders see, some of us who have advocated for years

Barry Paperno

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Credit Score

Why are Short Sales So Bad for Your Credit?

A short sale or foreclosure on your credit report can have a negative impact, knocking as much as 160 points off your credit score.

Barry Paperno

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Credit Score

How to "Dilute" Your Bad Credit for a Higher Score

How to "Dilute" Your Bad Credit for a Higher Score

Barry Paperno

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Credit Score

Debt-Free? Don't "Lose" Your Credit Score

I will be paying all of my debt off in September. Will this raise my credit score or lower it, since I have no active credit cards or loans in my name?

Barry Paperno

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mortgages

California's New Homeowner Bill of Rights: What We Can Learn

Last week the California legislature passed the Homeowner Bill of Rights to protect California homeowners during mortgage modification and foreclosure.

Barry Paperno

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credit score

Foreclosure vs. Short Sale: What's Worse for Your Credit?

Short sales are on the rise and more and more underwater homeowners asking how their credit scores will fare after a short sale or foreclosure - and how the two outcomes compare.

Barry Paperno

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Credit Score

Reader: Inquiries Dropped My Score 104 Points

How much of a negative impact can hard credit inquiries have on your credit score? A reader wrote in, asking a common question, but the impact on his score was rather extreme.

Barry Paperno