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The cure for those credit score blues?

By: 2 November 2010 One Comment

Stan Morris, founder of Credit Care in Piggott, has spent the past few years developing a system through which people can improve their credit scores.

He’s only been touting his method for a couple of months and his work in that area may well be timely. Why? Arkansas Attorney General Dustin McDaniel reported that Arkansans have the lowest credit scores in the nation.

McDaniel, citing a survey, stated in a news release that the average credit score of American consumers is 666 (keep those “number of the beast” jokes to yourselves) while the average in Arkansas is 636. Morris is out to help people improve those credit scores.

He pointed out that a good credit score is necessary to purchase everything from cars to homes. Those who have poor scores face rejection, high interest rates or worse. Morris started Credit Care after spending years figuring out ways to help people improve their credit scores.

Morris said that, quite often, people with bad credit scores simply don’t deserve them. He said that credit bureaus can get information wrong and it regularly falls to the consumer to dispute their reports and correct that data.

Let’s say, for example, a creditor reports to a credit bureau that a bill has gone unpaid. The consumer takes care of the bill, but that never gets reported to the bureau. The consumer, then, has to dispute the debt and see that it is corrected.

It’s worth mentioning that consumers have the right to access their credit reports for free once every 12 years at And, yes, that’s actually a free service that doesn’t require consumers to sign up for a credit monitoring service or any of that nonsense. The site is run by the federal government and reports from the three major credit bureaus (Equifax, Experian and TransUnion) are available through the site. There are instructions from each of those bureaus for consumers wanting to dispute information on their reports, too.

Morris said he’s out to keep people informed so they can take steps to improve their scores. Morris comes from the automobile sales industry and said he’s been able to help consumers improve their credit scores to the point where they could purchase vehicles. Improving a credit score takes time and work, but Morris said the result is well worth the effort.

About: Ethan C. Nobles:
Benton resident. Rogue journalist. Recovering attorney. Email =

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