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 28, 2017

What Do The Credit Reporting Agencies Do To Protect My Identity?

Knowing that our personal information is being transmitted monthly by our creditors to the credit bureaus can be cause for some anxiety about our safety.  So […]
June 28, 2017

How Do I Protect Myself From Fraud and Identity Theft?

Living in these times of digital growth, fear is a constant companion.  It is really scary to hear the stories of people who have had their […]
June 28, 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 28, 2017

Your Kids and Money

As a responsible parent, it is important to teach your kids about the wonders and pitfalls of money management.  But if you are in financial trouble […]
June 28, 2017

Credit and Bankruptcy

Myth #1:  bankruptcy will solve my financial woes and clean up my credit. Truth:    Bankruptcy can eliminate the debt, depending upon what Chapter you filed.  The […]