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Dave Sullivan
Works at Credit Technologies
Lives in Michigan
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Dave Sullivan

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Question: I was reviewing my credit report and I decided on disputing something negative. The result was that it was deleted however that same negative account is on the other two repositories. Will they tell the other two repositories and how long should long would one have to wait for the update.
Disputing Something Negative will it impact my credit score and will the other two repositories also update their recorders. Who is FICO?
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An open letter to the next director of #HUD. Please share this!!
Congratulation #DrCarson, Director of HUD will be a great position for you. I want to talk to you about a problem keeping good borrowers from qualifying for home loans .

This issue is not well known outside of a very small niche serving the mortgage industry. You see Fannie and Freddie are requiring a FICO score that was developed in 2003. Mel Watt has talked about the need to make an update, but never took any action. This could be a great opportunity for you to get an early win in your new position.

The newest FICO score called FICO9 has two very important improvements that will help home buyers dramatically
1) When you pay a collection it is removed from the FICO9 Score ( the old way is a mess)

2) FICO9 takes a deeper look at payment history and is a better indicator of good credit behavior.

Please let me know the next time you are in Detroit. I would love he chance to further explain why this is so important.
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Dave Sullivan

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Are You Credit Score Invisible? 
Are you Credit Score Invisible? According to the CFPB 19.4 million Americans, 8.3% of the adult population do not have enough credit to for a credit score.
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During the weekend of September 24, 2016, Fannie Mae will implement Desktop Underwriter® (DU®) Version 10.0
Trended Credit Data unintended consequences. Fannie was planning on introducing Trended Credit Data on June the 25th 2016 as part of their new DU 10 system
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This week we’re going to talk more about trended credit data in 2017. Trended credit data is really huge in the credit industry. People don’t realize it is has been around for going on six months and it impacts everyone who applies for a mortgage right now.
2017 Trended Credit Data Update How individuals pay their bills is going to become more important. Trended credit data is huge in the credit industry.
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Dave Sullivan

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University Degree Worth $80,000 in Debt? More importantly, and what it is like to live with it. That's what we're trying to get kids to realize.
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Is a University Degree Worth $80,000 in Debt?
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How to unfreeze your credit report if you lost your pin.
How to unfreeze your credit report if you lost your pin. How to unfreeze my TransUnion report. Call the consumer affairs department. - 800-916-8800
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Kevin Elsenheimer, the executive director of Michigan State Housing Development Authority.
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Wow! TV natural 
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Personal Information Compromised?
Personal Information Compromised? The FEDERAL TRADE COMMISSION walks you through the steps to take if your information was part of a data breach:
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Credit Score Improvement
Introduction
Dave Sullivan graduated from Western Michigan University in 1989 with a bachelor’s degree in Finance. He started in the mortgage industry as a loan officer in 1991. Less than one year later started selling credit reports to Mortgage Companies, Banks and Credit Unions. On September 19, 1997 he started AIR Credit Midwest out of his car. Over the next two years Air Credit Midwest grew to a multimillion dollar company. In 2000 he was approached by one of the largest Credit Reporting Bureau’s in the nation to purchase AIR Credit Midwest. He sold it and worked for that company as Sales Manager of the Michigan and Ohio market for the next ten years. During his career in the credit industry he has personally reviewed thousands of credit reports and credit scores. He currently provides free information on his weekly Video Blog at www.thecreditguy.tv
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Currently
Michigan
Work
Occupation
Marketing Director
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The Credit Guy TV
Employment
  • Credit Technologies
    Marketing Director, present
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Male
Public - 3 weeks ago
reviewed 3 weeks ago
Joel, did a horrible job on our driveway, we had to teach him how to seal it and then he still could not get it correct after weeks of trying not it is starting to come off and it is not even winter yet. Do not use this company for stamped concrete
Public - 3 years ago
reviewed 3 years ago
2 reviews
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