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Why Does A Low Credit Score Lead To High Interest Rates?

Tuesday, Dec 11, 18

I decided to address this issue in a blog since I get asked ALL the time. Banks make profit based in part by collecting interest. The interest rates banks charge vary from consumer to consumer based on the risk of the individual consumer…

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Why Are Credit Karma’s Scores Higher Than What My Bank Tells Me?

Tuesday, Dec 11, 18

I have been getting this question often lately. Before I answer the question, let’s review what scores are provided by Credit Karma. As of my last check, Credit Karma provides consumers with 4 different free credit scores…

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Who Is “The Best” Credit Repair Company?

Tuesday, Dec 11, 18

The sad truth is many companies pay to have their name show up first with search engines like Google and Yahoo. Is ranking high or a company claiming they are “the best” alone enough to earn your business?…

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Where In The World Can I Get My Real Credit Score?

Tuesday, Dec 11, 18

Almost daily I get asked why do I have so many different credit scores and which one is my real score. I understand the frustration consumers have related to not knowing what their real scores are…

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What Is A Bad Credit Score?

Tuesday, Dec 11, 18

I blogged in the past about what a good credit score is but I wanted to address what a bad credit score is. Consumers’ perception of what a bad credit score is will differ. For the most part, I would say a bad credit score…

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W-2 In Mail Box

Tuesday, Dec 11, 18

Be careful, its Christmas morning time for ID Thieves. This is the only time of year many people have their most important Identifier sitting unprotected in their mail boxes. What’s this valuable Identifier? It is your Social Security Number…

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Top 3 Mistakes People Make When Buying A Home With Bad Credit

Tuesday, Dec 11, 18

Let’s face it, the recent mortgage and housing crisis has left millions of potential home buyers with bad credit. Buying a home with bad credit often leads to new credit headaches, that at times can lead to legal issues. Many consumers seek out risky…

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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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