My Credit Plan Blog
My Credit Plan is the nation's leading FICO® Score improvement program with an average score improvement of 73 points! If you want to increase your FICO scores, set up an account today and start your credit score journey to higher levels! There is a minimal charge for services.
My Credit Plan and its blog is operated by Family Financial Education Foundation, a 501 (c) (3) non-profit credit counseling agency. This blog offers many unique insights from direct research. My Credit Plan's blog and website are designed to help you find the correct answers to many of your questions, explain why, correct misinformation, and identify solutions to improve your FICO scores. Let’s go! (Information referenced on this blog must be sourced.)
Finance & Credit Score Expert
Author and Media Consultant
I am nationally recognized for my extensive research, insight and knowledge on purchasing power, credit reports and especially the FICO® credit score. I have extensively researched the FICO® credit score starting in 2003 and have published two editions of the book, The Road to 850, Advanced Strategies for Increasing Your FICO Credit Scores. Itoutlines the dozens of factors in the FICO® scoring system and provides advance strategies to improve them.
From my research, I have discovered many unknown facts about the FICO credit score from my personal research. My knowledge is from first-hand research and from tracking the results of over 3,000 scores. I DO NOT regurgitate someone else’s assessment. I can state there is much misinformation circulated from many so-called “credit experts” who have spent little time researching the FICO credit score. As a result, consumers are given inaccurate or very little correct information. In the end, millions of consumers spend thousands more each year because of circumstance, lack of awareness and understanding.
I have taught thousands of the nation’s leading academics multiple times, including personal finance and family science professors, associate deans and deans. I also assist in helping them understand the complexity of the FICO scoring system and consumer’s purchasing power. I have worked with Family Financial Education Foundation to develop their program, My Credit Plan. My Credit Plan is designed to educate a consumer and provide a correct personal roadmap to credit score improvement.
I have provided commentary in over 200 television news stories for many media outlets including US News and World Report, Fortune Magazine, CNBC, CBS and ABC affiliated stations along with a host of other national and regional media. I also work many legal cases as a credit score expert. I was the lead credit expert in the Jabbari v. Wells Fargo case (the 3.5 million unauthorized-accounts opened), along with several other prominent cases.
One Court has written:
The Court finds that Mr. Bingham has performed a more rigorous analysis of the relevant factors and sub-factors (of the FICO credit score and its impact on the petitioner’s FICO scores). The Court has given more weight and credibility to Mr. Bingham.
Judge Paul G. Maughn
Case No. 914900261
3rd District Court, State of Utah
I am excited to help all find solutions to their credit questions, and identify solutions to improve FICO scores, which ultimately leads to an improved purchasing power by increasing FICO credit scores – which means purchasing more for less!