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

(261) Total Posts to Date

Blog

8,194 views

9 min read

Turn Your Home Into a Ticket to the World — HomeExchange Saves Members an Average of 58% on Vacation Costs

HomeExchange Saves Members an Average of 58% on Vacation Costs

In a Nutshell: HomeExchange is one of the oldest and most respected membership-based home exchange platforms in the... read more »

Mike Randall

By: Mike Randall • 7/3/17

Guide

21,602 views

5 min read

What is Factact Free Disclosure? (FACT Act of 2003)

What Does Factact Free Disclosure Mean?

The Fair and Accurate Credit Transactions Act, also known as the FACT Act, is a federal law designed to give... read more »

Mike Randall

By: Mike Randall • 5/1/17

Guide

37,710 views

5 min read

“What Credit Score is Needed to Lease a Car?” Minimum Approval Score (2017)

What Credit Score is Needed to Lease a Car?

The decision to lease a car can be a very practical one for many people — and especially for those with... read more »

Mike Randall

By: Mike Randall • 3/8/17

Guide

46,776 views

9 min read

Do-It-Yourself Credit Repair (3 Ways to DIY: Letters, Software, eBooks)

Do-It-Yourself Credit Repair

Living with bad credit isn’t just a nuisance; it can impact every area of your life. If you’ve finally decided to... read more »

Mike Randall

By: Mike Randall • 2/2/17

Guide

46,005 views

7 min read

Annual Credit Report Review (5 Top AnnualCreditReport.com Complaints)

AnnualCreditReport.com Review

On the journey toward building and maintaining great credit, nothing is more important than keeping a close eye on... read more »

Mike Randall

By: Mike Randall • 1/19/17

Guide

100,000+ 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

100,000+ 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

92,184 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

100,000+ 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

100,000+ views

5 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 six years has been difficult for many folks. But now that things... read more »

Mike Randall

By: Mike Randall • 1/25/16

Guide

100,000+ 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

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

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

3 min read

10 Expert Picks:  Best Credit Cards for “Bad Credit” ([current_year])

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