July 4, 2017

ATM Charges & Bank Fees: Are You Fully Informed?

Back before 1988, there were no ATM charges.  Afterwards, a Nevada bank started charging a bank fee for withdrawals made on a bank other than its […]
July 4, 2017

Drowning in Student Loan Payments?

With more than one trillion dollars in current student loans, and climbing, there are literally thousands of students who are under water on their payments.  You […]
June 28, 2017

“60 Minutes" Expose on Credit Reporting

It’s official!  The state of our credit has made national news!  60 Minutes did an expose on the state of the nations credit histories for our […]
June 28, 2017

The Outrageous Cost of a "Fair" or "Poor" Credit Score

What most people don’t really realize is the “cost” of having a mediocre or poor credit score.  They go on their merry way paying whatever the […]
June 28, 2017

Credit Cards Dominate Consumer Reports – Credit Repair

Dec 13 2012:  By Nicholas Owens, Guest Columnist Consumer Financial Protection Bureau report details how the nation’s largest credit bureaus manage consumer data Credit cards dominate […]
June 28, 2017

Are You Underbanked? Try Second Chance Checking Accounts

There are at least two versions of the word “underbanked”: 1)   Those who have had a checking account closed by the bank.  This usually occurs when […]
June 28, 2017

Primary vs. Secondary Identity Data – Do You Know The Score?

Credit reports can be mysterious documents to read and understand.  In this section, we will dissect the document by sections so you can become more familiar […]
June 28, 2017

How Will the CFPB Affect Your Credit?

Did you know that at least 85% of credit reports in the United States have errors?  Do you understand what those errors mean to you?  Well, […]
June 28, 2017

A New Credit Report For Mortgage Lenders

It was announced recently that a new credit report would be available to the public and lenders.  In a partnership between Fair Isaac Corporation (FICO) and […]
June 21, 2017

Do You Have The “RIGHT” Score?

Some people don’t have that “right score” so they are denied rights that they normally should have, like getting a loan approved or a new credit […]
June 21, 2017

Credit Repair and Bankruptcy

Many people ask us “will bankruptcy completely screw up our credit report”?  The answer is, of course, complicated.  The short answer is “yes”, and the longer […]
June 21, 2017

Is Your Credit Score "High" Enough?

We are in a world where everything we do is out there on Facebook, Twitter, LinkedIn, and every other kind of social media. Our lives are […]