Mike Randall

Mike Randall
“How to Raise Credit Score” (12 Proven Methods from Credit Experts)

Bad Credit Expert

Mike Randall is most knowledgeable in the areas of credit scores and credit cards, having written on those topics and others for the past eight years. He graduated from California State University with a degree in English literature, and he has an extensive background in personal finance studies. When he's not keeping BadCredit.org readers informed of changes in the subprime market, Mike’s hobbies include sailing and gourmet cooking. Connect with Mike on Google+.

Latest Posts

(268) Total Posts to Date

Guide

35,984 views

9 min read

“How to Raise Credit Score” (12 Proven Methods from Credit Experts)

12 Proven Methods — How to Raise Credit Score

The importance of maintaining a good credit score simply can’t be overstated. This is the number used by banks and... read more »

Mike Randall

By: Mike Randall • 7/21/16

Guide

48,152 views

5 min read

Experian Dispute (4 Ways to Remove Credit Report Errors)

4 Ways to Remove Errors from Your Experian Credit Report

As consumers, we rely on our credit reports for getting a loan, qualifying for a mortgage, and even landing a job.... read more »

Mike Randall

By: Mike Randall • 5/12/16

Guide

70,932 views

3 min read

How to Calculate Debt-to-Income Ratio (DTI) & What It Means

How to Calculate Debt-to-Income Ratio

Your debt-to-income (DTI) ratio is a factor that lenders use in determining whether you’re a good risk for a loan.... read more »

Mike Randall

By: Mike Randall • 4/4/16

Guide

53,220 views

5 min read

TransUnion Dispute (How to Remove Credit Report Errors)

How to Dispute Errors on Your TransUnion Credit Report

Credit report errors can be both commonplace and costly. If you’re not regularly checking your credit report for... read more »

Mike Randall

By: Mike Randall • 3/21/16

Guide

92,922 views

3 min read

How to Find Out What Debt Collectors You Owe (5 Steps)

How to Find Out What Debt Collectors You Owe (5 Steps)

If you’ve found yourself in a position to pay off some overdue debt, then congratulations are in order. Paying your... read more »

Mike Randall

By: Mike Randall • 2/15/16

Guide

100,000+ views

3 min read

Personal Loans for Rebuilding Credit with PersonalLoans.com

Personal Loans for Rebuilding Credit

There’s no question that our economy over the past 6 years has been difficult for many folks. But now that things... read more »

Mike Randall

By: Mike Randall • 1/25/16

Guide

98,512 views

5 min read

How to “Cheat” My Credit Score (3 Quick Credit Fixes)

How to “Cheat” My Credit Score (3 Quick Credit Fixes)

In this age of helpful internet tips and shortcuts for everything, there’s got to be a way to cheat your credit... read more »

Mike Randall

By: Mike Randall • 1/18/16

Guide

100,000+ views

3 min read

Credit Score Needed for Home Loan — 2016 Changes

Credit Score Needed for Home Loan — 2016 Changes

If you’re considering buying a home in 2016, recently announced changes to the Federal Housing Administration’s... read more »

Mike Randall

By: Mike Randall • 12/18/15

Blog

100,000+ views

5 min read

Does Your Credit Score Drop When Someone Checks It?

Does Your Credit Score Drop When Someone Checks It?

If you’re getting ready to make a big purchase — say a car, an RV or a house — you’ve probably had someone tell you... read more »

Mike Randall

By: Mike Randall • 12/8/15

Guide

100,000+ views

3 min read

6 Credit Cards That Help Rebuild Your Credit

6 Credit Cards That Help Rebuild Your Credit

The most challenging part of beginning to rebuild your credit is getting creditors to trust you again. In order to... read more »

Mike Randall

By: Mike Randall • 11/12/15

Guide

97,461 views

5 min read

(From Credit Experts) How To “Remove Charge-Offs” Yourself

How to Remove Charge-Offs Yourself

A charge-off is one of the most harmful credit report entries, short of a bankruptcy. In fact, charge-offs remain... read more »

Mike Randall

By: Mike Randall • 10/5/15

Guide

100,000+ views

1 min read

10 Expert Picks:  Best Credit Cards for “Bad Credit” (2016)

10 Expert Picks: Best Credit Cards for Bad Credit

Having a credit card is practically a necessity in our modern day and age. Without one you’ll have a hard time... read more »

Mike Randall

By: Mike Randall • 9/3/15

Guide

100,000+ views

3 min read

5 (Vital) Resources for Veterans with Bad Credit

5 (Vital) Resources for Veterans with Bad Credit

We all owe a debt of gratitude to the brave men and women who have proudly served in our nation’s military. Without... read more »

Mike Randall

By: Mike Randall • 6/25/15

Blog

100,000+ views

5 min read

How Long Does a Mortgage in Principle Last?

How Long Does a Mortgage in Principle Last?

The term “mortgage in principle” or “mortgage agreement in principle” is primarily used in the U.K. to refer to a... read more »

Mike Randall

By: Mike Randall • 6/23/15

Blog

100,000+ views

3 min read

What Are “Revolving Credit” Accounts?

What Are “Revolving Credit” Accounts?

If you’re confused by some of the terms you hear regarding credit and the way it works, you’re not alone. Many... read more »

Mike Randall

By: Mike Randall • 6/18/15

Study

100,000+ views

3 min read

Study: Seniors Carrying 6X More Education Debt Than 25 Years Ago

Study: Seniors Carrying 6X More Education Debt Than 25 Years Ago

With the cost of a four-year college education continuing to hit new highs, millennials aren’t the only ones... read more »

Mike Randall

By: Mike Randall • 5/28/15

Blog

100,000+ views

5 min read

What “Game of Thrones” Can Teach Us About Debt

What “Game of Thrones” Can Teach Us About Debt

As anyone who has read “Game of Thrones” or watched its popular HBO adaptation can tell you, this is a story that... read more »

Mike Randall

By: Mike Randall • 5/8/15

Blog

100,000+ views

3 min read

5 Smart Reasons to Set Up Automatic Bill Pay

5 Smart Reasons to Set Up Automatic Bill Pay

Feeling overwhelmed? Constantly dealing with emergencies? No time for anything but the most urgent tasks on your... read more »

Mike Randall

By: Mike Randall • 4/20/15

Guide

100,000+ views

5 min read

The FICO Scores You Didn’t Know About

The FICO Scores You Didn’t Know About

Do you know what your credit score is? As most of us are aware, FICO credit scores are how lenders measure our... read more »

Mike Randall

By: Mike Randall • 4/7/15

Blog

100,000+ views

3 min read

5 Reasons Personal Loans Can Be a Great Idea

5 Reasons Personal Loans Can Be a Great Idea

When you’re deep in debt or are facing a big unexpected expense, a financial solution can often seem miles... read more »

Mike Randall

By: Mike Randall • 3/23/15

Blog

100,000+ views

5 min read

Delinquencies, Defaults and Charge-Offs… What’s the Difference?

Delinquencies, Defaults and Charge-Offs… What’s the Difference?

As most people know, falling behind on your credit card payments is bad. Just how bad depends on how far behind in... read more »

Mike Randall

By: Mike Randall • 3/3/15

Guide

100,000+ views

3 min read

How to Dispute Errors on Your Credit Report

How to Dispute Errors on Your Credit Report

Many credit disputes arise from real causes: failure to make a minimum credit card payment, defaulting on a loan,... read more »

Mike Randall

By: Mike Randall • 2/17/15

Guide

100,000+ views

3 min read

Should I Pay Off My Credit Cards or Save Money? 4 Things to Consider

Should I Pay Off My Credit Cards or Save Money? 4 Things to Consider

So you’ve got a little bit of extra cash and are wondering how to make the best use of it. Should you put it toward... read more »

Mike Randall

By: Mike Randall • 1/29/15

Guide

100,000+ views

3 min read

What’s Considered a Bad Credit Score?

What’s Considered a Bad Credit Score?

No one wants a bad credit score. We all know it affects what we pay for insurance and our ability to borrow money,... read more »

Mike Randall

By: Mike Randall • 1/21/15

Blog

100,000+ views

3 min read

5 Things to Look For in a Tax Preparation Service

5 Things to Look For in a Tax Preparation Service

As tax time rolls around yet again, filers are left with that annual question — where do I go for help preparing my... read more »

Mike Randall

By: Mike Randall • 1/19/15