The Credit Vixen, San Antonio, TX (2026)

10/15/2026

Your credit goals deserve a real conversation.

In a consultation, we review your credit file together, identify what's accurate and what needs attention, and talk through realistic next steps. No pressure, no miracle promises — just an honest look at where you stand.

If your credit needs a fixin', call The Credit Vixen.

Book your appointment at www.TheCreditVixen.com.

10/15/2026

Big news in mortgage world 🏠

TransUnion and Equifax just launched new tools that let lenders review your credit file before paying for your score. Translation: fewer score pulls while you're shopping, and lenders only buy the score when it counts — when you're actually ready to close.

Starting January 1, 2027, FHA will accept VantageScore 4.0 and FICO 10T alongside Classic FICO — a whole new scoring playbook for homebuyers.

Shopping for a home? Getting your file mortgage-ready before the pull matters more than ever. If your credit needs a fixin', call The Credit Vixen. www.TheCreditVixen.com

10/12/2026

🚨 HAVE FEDERAL STUDENT LOANS? DON'T IGNORE THIS!

If you're currently enrolled in the SAVE repayment plan, there's an important change you need to know about!

The SAVE plan is ending, and borrowers are being notified that they need to select a new repayment plan.

Here's why this matters:

❗ You generally have 90 days from your loan servicer's notice to choose another eligible plan.

❗ Miss your deadline? You'll receive a final 30-day notice. If you still don't act, you could be automatically moved into a repayment plan with a HIGHER monthly payment.

❗ Higher payments could affect your budget and your ability to qualify for a mortgage.

❗ Missed payments could eventually damage your credit.

Here's what you should do NOW:

✅ Log into StudentAid.gov.

✅ Check your loan servicer's messages for your deadline.

✅ Compare your repayment options before making a decision.

✅ If you're planning to buy a home, talk to your lender about how your student loan payment affects your qualification.

Remember: A student loan repayment issue and a credit reporting error are two different things!

At The Credit Vixen, we help you understand your credit and prepare for your financial goals.

📲 www.TheCreditVixen.com

If your credit needs a fixin', call The Credit Vixen!

10/09/2026

45 days to shop mortgage rates? Check the scoring model first. 🏡

Yes, you can compare mortgage lenders! FICO groups qualifying mortgage inquiries as one for scoring purposes within 14 or 45 days, depending on the model used.

The individual inquiries can still appear on your credit report. And a 45-day window does not apply to every borrower.

Our advice? Keep mortgage applications requiring hard pulls within 14 days whenever possible, especially when you don’t know which scoring model the lender uses.

Shop smart. Compare rates, fees, and loan terms. Your credit strategy should support your homebuying goal.

Visit TheCreditVixen.com to schedule your free consultation.

10/06/2026

A “fast credit sweep” could put your homeownership plans at risk.

If someone tells you to claim identity theft on accounts you actually opened, stop. 🛑
Filing a false identity theft report is a crime.

Deleted information can sometimes return to your credit report. And removing an account from your report does not cancel a valid debt.💳💲

Real progress starts with reviewing your reports, documenting actual errors, managing balances, and building consistent payment habits. No one can guarantee deletions, score increases, or mortgage approval.

At The Credit Vixen, we help you understand your credit and build a plan around your goals.

Visit www.TheCreditVixen.com
to schedule your free consultation.

09/25/2026

A “credit sweep” could leave you with a bigger problem than bad credit.

The FTC has taken action against a CRO and related companies, alleging they collected nearly $200 million while promising credit improvements. The FTC says the operation sometimes filed false identity theft reports without clients’ knowledge. The case is still pending.

If an account is yours, calling it identity theft is not a shortcut. You deserve to know exactly what is being submitted in your name and why.

At The Credit Vixen, we review the facts, identify reporting errors, and build a plan around your actual credit goals. No fake claims. No promised deletions.

Want to understand what is really holding your credit back? Visit TheCreditVixen.com to schedule your free consultation.

08/31/2026

🚨 Before You Hire a Credit Repair Company, Ask This Question

“Do I get to know exactly what you’re submitting in my name?”

That question matters more than most consumers realize.

At The Credit Vixen, we believe credit restoration should be based on facts, documentation, transparency, and accountability — not secret tactics or questionable shortcuts.

If a company is communicating or disputing information on your behalf, you should understand:

Who is communicating on your behalf?
What information is being disputed?
What is being stated in your name?
What documentation is being submitted?
What authority have you given the company to act for you?

And most importantly:

Are the statements being made actually TRUE?

🚩 Be extremely cautious if someone tells you to claim identity theft on accounts that belong to you, file a false FTC Identity Theft Report, claim accounts are “not mine” when they are, or use a so-called “credit sweep” without explaining what is actually being submitted.

Those aren't harmless shortcuts.

Your name is attached to the process, and you should never be encouraged to make a false statement just to try to get something removed from your credit report.

At The Credit Vixen, our approach is different.

We review the credit file for potential inaccuracies, inconsistencies, questionable reporting, and other issues that may warrant investigation. We educate our clients about what we're addressing and why, and when we're authorized to communicate on a client's behalf, we're not interested in pretending the work magically appeared from the consumer.

Transparency matters. Accountability matters. And facts matter.

A legitimate credit restoration process should never require you to lie about your credit history.

Before hiring a credit repair company, ask:

“Will I know what you're submitting on my behalf, and are your disputes based on the actual facts in my credit file?”

Pay close attention to the answer.

🦊 If your credit needs a fixin’, call The Credit Vixen.

Credit Restoration • Credit Education • Mortgage Readiness

Visit TheCreditVixen.com to schedule your consultation.

08/24/2026

💥DELETED FROM YOUR CREDIT REPORT DOES NOT ALWAYS MEAN THE DEBT IS GONE.💥

This is something more consumers need to understand.

When a collection or charge-off is successfully removed from your credit report, that deletion addresses the reporting of the account. It does not automatically erase the underlying debt or prevent a creditor or collector from attempting to collect a legally enforceable debt.

And yes, in some situations, an account can be deleted from a credit report and the consumer can still face collection activity or even a lawsuit.

That’s why credit restoration should be about more than just chasing deletions.

When appropriate, I educate my clients on their options for addressing legitimate outstanding debts, which may include communicating with the creditor or collector about settlement or resolution.

But we don't blindly pay everything either.

Before taking action, we want to understand:

• Who currently owns the debt
• Whether the balance and account information are accurate
• Whether the debt is still legally enforceable
• Whether a settlement or payment arrangement makes financial sense
• How the account may be reported after resolution

A deletion can improve the credit report. A debt resolution strategy helps address the bigger financial picture.

The goal isn't just a prettier credit report.

The goal is to help you understand your credit, protect your progress, and become financially stronger.

If your credit needs a fixin’, call The Credit Vixen.

www.TheCreditVixen.com

07/04/2026

Happy Independence Day from The Credit Vixen!🇺🇸

Today we celebrate the freedoms we've been blessed with and honor the brave men and women who have sacrificed to protect them.

As you enjoy time with family, friends, great food, and fireworks, remember that financial freedom is worth celebrating too. Every smart financial decision you make today brings you one step closer to the future you're working toward.

Whether your goal is buying your first home, qualifying for a better interest rate, or simply taking control of your finances, we're here to help you every step of the way.

Have a safe, happy, and memorable Fourth of July!🎆

Ready to start your journey toward better credit? Visit TheCreditVixen.com to schedule your FREE credit consultation and learn how we can help you achieve your financial goals.

06/22/2026

🚩 CREDIT SWEEP ALERT 🚩

If someone promises to "sweep" negative accounts off your credit report, pause before you pay.

It sounds like a quick fix.

But quick fixes can create long-term problems.

Here's what many consumers don't realize:

A credit sweep doesn't magically erase legitimate debt.

And if inaccurate information is submitted to the credit bureaus, it could create bigger issues than the ones you started with.

Potential risks may include:

❌ Spending money on a strategy that doesn't deliver lasting results

❌ Delaying the process of addressing the real issues impacting your credit

❌ Having deleted accounts reappear later if they are verified

❌ Creating challenges during mortgage underwriting when lenders review your full credit history

❌ Missing opportunities to build a stronger, more sustainable credit profile

The goal isn't to make negative information disappear.

The goal is to ensure your credit reports are accurate, complete, and reflective of your true credit history.

That's why education matters.

Before you invest in any credit strategy, ask questions:

✔️ How does this process work?

✔️ What consumer laws apply?

✔️ What are the risks?

✔️ Is this helping me build long-term credit health?

Remember:

A stronger credit profile is built through knowledge, consistency, and smart financial habits—not shortcuts.

Knowledge is one of the most powerful credit tools available.

Want to better understand your credit profile and mortgage readiness?

Visit TheCreditVixen.com

✨ Learn how to play the credit game and win.

The Credit Vixen

10/15/2026

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