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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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Hip Hop Superstar Good Intentions Turned Sour Leaving Some Fans In Despair

Tuesday, Dec 11, 18

In 2003, Hip Hop legend Russell Simmons founded RushCard to help give poor Americans alternative ways to access their money without paying large fees to the check cashing and money order firms. The RushCard is a prepaid card used similar to a debit card…

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Get Ready For Some Huge Credit Score Changes This Fall

Tuesday, Dec 11, 18

FICO, the most common credit score used in lending recently announced a significant change. Later this year they are releasing a new version of their software. The new version will be named FICO 9. So what does this mean to you? For many people, a great deal…

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Equifax Data Breach

Tuesday, Dec 11, 18

Chances are you were one of the 143 million consumers that wereaffected bythe Equifax data security breach. You can verify if your data was breached by clicking this Equifax verification…

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Does The U.S. Government Aide Identity Thieves?

Tuesday, Dec 11, 18

A consumer’s social security number is the number one target of Identity Thieves. Once a social security number is compromised, you can’t just order a new one…

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Does My Mortgage Lender Get My Credit From Annual Credit Report

Tuesday, Dec 11, 18

A consumer who was recently denied a mortgage told me she was denied due to information her lender received from annualcreditreport.com. I explained to her she must have misunderstood her lender…

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Do Debt Collectors Delete Collections Once They Are Paid?

Tuesday, Dec 11, 18

I decided to write about this question since I hear it fairly often. To be more specific, most consumers say they’re told by debt collectors they will delete the collection once it’s paid…

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Can You Justify A Credit Score?

Tuesday, Dec 11, 18

I recently had a consumer ask me if I could justify his credit score. I must say, this was the first time I ever heard of such a question. After thinking of his question for a few moments, I understood that he was really asking if his credit..

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Can Having A High Credit Score Be Bad?

Tuesday, Dec 11, 18

If you asked this question to 1000 people, I think all 1000 of them would respond having a high credit score can’t be bad. I would have to agree for the most part but for some consumers, a high credit score can lead to major problems…

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Beware; Don’t Let A Bank Tell You How Much Home You Can Afford

Tuesday, Dec 11, 18

On my drive to work today, I heard a disturbing radio commercial. The commercial was from a local bank stating they give free pre-approvals for home purchase mortgages as well as determine how much home you can afford…

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