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Credit Tips

Can a Bankruptcy Be Removed From Your Credit Report?

By Tiffany Cross | May 20, 2022

When a consumer files for bankruptcy, that bankruptcy remains on their credit report for 7 years (sometimes longer).  It typically becomes a black mark that results in paying higher interest rates, difficulty obtaining credit, and a BIG hassle when trying to qualify for a home mortgage.  Not to mention the fact that for the next…

How Long Do Bankruptcies Stay on Your Credit Report?

By Tiffany Cross | May 11, 2022

As we always say… bad things can happen to good people. Most of the time, this is the case with a bankruptcy.  In fact, the most common causes of bankruptcy are a loss of employment and/or medical bills from an unforeseen accident or illness. Regardless of the cause, a bankruptcy will have serious consequences on…

How Your Credit Score Affects the Lease Payment on Your Car

By Tiffany Cross | May 4, 2022

Let’s talk about your car for a minute… the car that you lease. Many people these days lease their cars, for a number of reasons.  These could include: The payment is usually lower They may not plan on keeping the car more than 3-4 years They like driving a newer car that is under warranty…

How Often Should You Check Your Credit Report for Errors?

By Tiffany Cross | April 27, 2022

More often than not, when people have negative items on their credit report, they are aware of it.  They fell behind in payments, had a collection, or maybe had a lien or judgement against them. However, there are times when negative credit items or errors can “sneak” their way on to a credit report and…

The Range of Credit Scores: From Excellent to Poor

By Tiffany Cross | April 20, 2022

We talk a lot about “good credit” and “bad credit” but what are the actual tiers that would separate good, fair, bad credit scores? Often, lenders might categorize scores differently.  For instance, a top tier score for a specific mortgage program might be 760 or higher and perhaps for other loans you might need a…

2022 Rents are Skyrocketing in California

By Tiffany Cross | April 13, 2022

According to Redfin, nationwide rents were up 15% in January 2022, as compared to just one year ago.  In California, however, a number of metropolitan areas are exceeding that nationwide number at an alarming rate. 32% in Riverside 24% in Sacramento 19% in San Francisco 19% in Oakland 16% in San Diego 10% in Los…

5 Credit Card Mistakes to Avoid

By Tiffany Cross | April 6, 2022

Having credit cards and using them frequently are two steps toward having great credit.  However, making one of these common mistakes could negatively impact your credit scores. Making Late Payments This is probably a “no-brainer” for most people, but if your payment on a credit card is more than 30 days past due, it becomes…

What is Experian Boost?

By Tiffany Cross | March 30, 2022

You may have heard about Experian Boost and how it can help people to improve their credit scores.  Many people don’t fully understand how it works so today we’ll take the time to provide a simple explanation. Commonly, consumers with low credit scores will suffer from a lack of credit.  This means that they either…

Higher Interest Rates Hit Marginal Credit Scores Harder

By Tiffany Cross | March 23, 2022

You can’t turn on the news, read a newspaper, or surf the internet without seeing headlines about inflation and interest rates heading higher.  It has a lot of people worried about their ability to manage their household finances. And if you’ve known me or have read anything I’ve written in the past 2-3 years, you’ve…

Don’t Rely on the Luck of the Irish to Improve Your Credit Scores!

By Tiffany Cross | March 15, 2022

  Credit and credit scores aren’t typically something that people worry about until they need to… like when they want to buy a house, finance a car, or apply for a loan or credit card.  All of the sudden, when these life events occur, credit vaults to the top of the “list of important things”.…