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Credit Tips

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”.…

In Times of Uncertainty, Control What You Can Control

By Tiffany Cross | March 9, 2022

  The world is definitely a hot mess right now with a huge list of issues that are not good news: Inflation War Gas Prices Supply Chain Issues Interest Rates Almost Surely Going Up Perhaps the most frustrating part of this is that even though all of these things will definitely impact our wallets, there…

Credit Tips for Those In or Near Retirement

By Tiffany Cross | February 23, 2022

As you begin to approach retirement, you’re typically concerned with your savings and trying to make your money last.  But sometimes just as important is making sure you have and maintain top tier credit scores. The credit bureaus don’t know your age and they don’t know your income, so when it’s time to walk away…

Beware of These Signs of Identity Theft

By Tiffany Cross | February 16, 2022

Identity theft is becoming a rampant problem all over the world.  In fact, the Federal Trade Commission received over 4.8 million identity theft claims in 2020 and they estimate that over 9 million people are victims of identity theft annually. Identity theft occurs when someone gets or steals your personal information and then uses that…

7 Years is a LONG Time

By Tiffany Cross | February 9, 2022

When negative credit items appear on your credit report, they can stick with you like a bad habit… the darn things never seem to go away. Say, for instance, you lose your job or have a financial hardship that causes you to be late on several payment such as your car and a few credit…

Interest Rates are Going Up… Now What?

By Tiffany Cross | February 3, 2022

If you’ve been paying attention to current economic news, you’re probably aware that interest rates are beginning to creep up.  What you may not know is how your credit scores, combined with higher interest rates, could profoundly affect your household budget. Over the next 6-8 months (or sooner) here’s what we are likely to see…