Credit Tips - Dedicated Credit Repair

Credit Tips

4 Big Advantages of Using Credit

By Tiffany Hazelaar | September 22, 2021

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: Potential Employers Can Check Your Credit!

By Tiffany Hazelaar | September 15, 2021

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…

How Credit Repair Actually Works

By Tiffany Hazelaar | September 8, 2021

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…

These Days, It Takes Good Credit Just to Rent a Home

By Tiffany Hazelaar | September 1, 2021

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…

During Inflation, Good Credit is Your Best Friend

By Tiffany Hazelaar | August 25, 2021

  The Consumer Price Index indicates that consumer prices have increased 5.4% from July of 2020 to July of 2021.  This means that on average, you are paying 5.4% more for everyday items that you purchase, compared to this time last year. Some industries have been hit even harder, such as housing and automobiles, where…

Did You Overpay for Your Last Car?

By Tiffany Hazelaar | August 18, 2021

We’ve all seen the car commercials advertising those insanely low car financing rates like 0.9% or sometimes even 0%, but the fine print will tell you that very few people get those loans because not only does your credit need to be perfect, but you also have to be willing to finance your car for…

Here’s How Your Credit Score Affects Your Mortgage Rate

By Tiffany Hazelaar | August 11, 2021

Often times, home buyers don’t really stop to think about how their credit scores could be impacting the rate they get on a mortgage loan.  And taking it to the next level, they rarely consider how that rate will truly affect the amount of money that “pours” out of their pocket for the next 5,…

5 Ways That Average Credit Can Kill Your Financial Future

By Tiffany Hazelaar | August 4, 2021

Consider this all-too-common situation… Perhaps you previously had good or even great credit, but the recent financial downturn caused a loss of income in your household, and this forced you to skip or be late on a credit card or two, a mortgage payment, or a car payment.  Maybe now you have recovered and caught…

The Truth About Department Store Credit Cards

By Tiffany Hazelaar | July 28, 2021

You’ve seen this scenario play out many times. As you are checking out at your local TJ Maxx, Home Goods, Lowe’s, Best Buy or any other large retail store, the cashier casually asks you if you would like to quickly apply for a store credit card and save 10% on today’s purchase. Or perhaps you…

3 Things to Do Now If You Are Waiting to Buy a House

By Tiffany Hazelaar | July 21, 2021

It is a pretty well established fact that today’s housing marketing is “unusual” to say the least! Home prices are escalating at a record pace, and even with this happening, they are selling fast and above list price because supply is low. (Remember that Econ 101 class where they talked about Supply and Demand?) As…