Archive for September 2021

It’s hard to believe we are already entering the 4th quarter of 2021.  With the new year just around the corner, a home purchase might be on your resolution list.  If so, there are a few things you can do now that will save you time, money, and stress when you’re ready to jump into…

Often we meet clients who have little or no history of using credit – folks who prefer to pay for goods and services with cash or debit cards only. While it might seem more responsible to not use much credit, it can actually pose a major problem when trying to finance a house, car, or…

Did you know that when you apply for a job, your potential employer can do a background check on you that includes a look at your credit? They don’t actually see your credit scores, but they can see your credit history. Why would an employer check your credit? For a few reasons… An applicant’s credit…

Credit in general tends to be something of a mystery.  After all, you financial life is somewhat dictated by your credit score but the credit bureaus don’t really tell you exactly how they determine your score.  There are guidelines in place, but for most people, credit scoring is fairly puzzling. The same is true when…

In the past, we’ve somewhat equated the need for good credit with the ability to buy a home.  After all, in order to qualify for a mortgage, you need to have at least “decent” credit and to get the best rates, you have to have excellent credit. But now the pandemic and things like the…