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Top 3 Considerations When Choosing To Freeze Your Credit

Tuesday, Dec 11, 18

Freezing your credit is an option provided by the 3 major credit reporting agencies, Equifax, Experian and Trans Union. When you freeze your credit report you basically lock any future creditors from accessing your credit. When applying for credit…

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Paying For Christmas With Cash Or Credit, That Is The Question?

Tuesday, Dec 11, 18

This is a question I’ve been asked quite a few times this Christmas season so I decided to post some information on this subject…

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Open Your Mail Or Your Credit Score May Plummet

Tuesday, Dec 11, 18

I recently spoke to a young lady who learned a very expensive lesson which could have easily been avoided. Be careful you never fall victim by learning from her mistake…

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Is It Me Or Does It Seem Like Fraud Is On The Rise?

Tuesday, Dec 11, 18

It seems you can’t watch the news these days without hearing about some sort of fraud. Fraud comes in many different shapes and sizes. One of the more common fraud stories of late is consumer data breeches. A consumer data breech is when an outsider gets unauthorized…

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How To Buy A Home With Bad Credit

Tuesday, Dec 11, 18

Millions of consumers who want to buy homes have less than perfect credit and they often want to know if there is way they can take advantage of today’s low interest rates and buy a home. The quick answer is it depends…

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How Safe Is Your Credit Card Data While Shopping?

Tuesday, Dec 11, 18

I recently wrote about some benefits gained by using credit cards instead of using cash during Christmas shopping. One additional caveat to take into consideration is exactly how safe using your plastic instead of cash is…

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How ID Theft Prevention “Crushed” A Man’s Credit Score

Tuesday, Dec 11, 18

We often hear about how Id Theft Prevention tools protect consumers’ credit report and scores. I recently spoke to a consumer who experienced the exact opposite…

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How Does A Defaulted Student Loan Payment Impact Your Credit Score?

Tuesday, Dec 11, 18

I recently received this question from a recent college graduate. With over 20 million consumers owing more than a combined Trillion dollars ($1,000,000,000,000 if my math is correct) this question comes up a good bit.
Any missed student loan payment falls into one of two credit scoring categories. If the defaulted payment is 60 days late or less, it is considered a minor credit delinquency…

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How Can I Get A Car Loan With Bad Credit?

Tuesday, Dec 11, 18

I always like to answer questions that I get asked often. Financing and automobile with bad credit can be very difficult. Beware; not understanding how the system works can cause you big problems…

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How A $3 Bank Fee Destroyed A Good Credit Score!

Tuesday, Dec 11, 18

Over the past number of years, it is common knowledge to most consumers that banks are not their friends and are out to nickel and dime them to increase their bottom lines. A popular bank trend lately is to charge a nominal monthly fee to consumers…

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