November 28, 2023
personal credit coach

Wondering How to Gain Credit Confidence? Learn from a Personal Credit Coach

When it comes to achieving credit confidence, it all begins with a thorough understanding of the key factors that contribute to a solid small business personal […]
September 22, 2023
Credit Score

Small Changes, Big Results: Simple Habits That Can Drastically Improve Your Credit Score

A credit score is a numerical representation of your creditworthiness, indicating how likely you are to repay borrowed money and manage credit responsibly. Lenders, such as […]
June 28, 2017

How Can I Improve My Credit Score? – Part I

Wow…that’s a big subject.  Remember that 35% of your credit score is composed of your payment history.  The answers are complicated because it depends upon so […]
June 28, 2017

How Can I Improve My Credit Score? – Part II

30% of your score is determined by the amounts you owe.  Since this is such a big influencer, it is important to understand what this means.  Simply […]
June 28, 2017

How Can I Improve My Credit Score? – Part III

15% of your credit score consists of the length of your credit history, and 10% is based upon new credit.  This means simply that it makes […]
June 28, 2017

Credit Restoration Is Legal!

Every Day, We Are Asked This Question:  Is Credit Restoration Legal? The answer is resoundingly:   YES!  When the three major credit reporting agencies (CRA’s or Bureaus) […]
June 28, 2017

What is a credit score?

How is it conceived and constructed? Many years ago, merchants wanted to offer their products and services to the populace, but realized there were a number […]
June 27, 2017

Credit Terms Glossary

Account An Account refers to assets, liabilities, income, expenses, and equity, as represented by individual ledger pages to which debit and credit entries are chronologically posted […]
June 27, 2017

Sample Credit Report

xample of a Credit Report, provided by:  Experian  (this is a PDF file.  To read it, you must have Adobe Reader on your computer.  If you […]
June 27, 2017

What Is The Difference Between A FICO Score and A Vantage Score?

Just a few years ago, the three major credit reporting agencies (bureaus)…Experian, TransUnion, and Equifax…got together and decided to challenge the FICO score model.  They were […]