Credit Scores & Repair

Learn why capping credit card interest rates could fundamentally change your credit score and not for the good.

The Credit Card Rate Cap That Could Kill Your Mortgage Approval in 2026

A North Texas Market Intelligence Report by Bobby Franklin Listen, I’m about to tell you something that could derail your homebuying plans this year, and it has nothing to do with mortgage rates, home prices, or inventory levels. While everyone’s celebrating President Trump’s call for a 10% credit card interest rate cap, very few people understand the financial landmine this creates for...

How to repair your credit score with Bobby Franklin, the North Texas Market Insider. Bobby Franklin is the best realtor in Waxahachie.

The Real Story Behind Credit Scores: What North Texas Homebuyers Actually Need to Know

Listen, I’m going to be straight with you, most credit repair guides are written by people who’ve never sat across from a first-time buyer watching their dream slip away because of a 580 credit score. I have. And in a market where Ellis County home prices jumped 47% in three years while that Ferris development is about to reshape everything? Your credit score isn’t just a number, it’s the...