Good Things Don’t Always Come to Those Who Wait
It was probably one of our parents who first told us “Good things come to those who wait.” Chances are, we were wanting something that they either didn’t have or didn’t want to give us at the moment and so they used this phrase in order to buy some time. Heck, you may have even…
How Many Credit Cards Should I Have?
“How many credit cards should I have?” This is actually a pretty common question that we hear, so let’s explore it a bit… FICO recommends that you have 3-5 revolving lines of credit (credit cards), but just as important are: A good diversification of credit (revolving, mortgage, cars, etc…) A seasoned history of responsible use…
4 Resolutions That Will Lead to Higher Credit Scores in 2022
Did you live 2021 with poor to average credit scores? If so, those low scores will cost you more money in 2022 when it comes to things like credit card payments, major purchases (a car or home), and any other purchase that you decide to finance such as that new bedroom furniture you’ve been thinking…
One of the Best Gifts You’ll Ever Give Your Child
When we think of “gifts” this time of year, they usually come in the form of wrapped boxes underneath the Christmas tree and perhaps even delivered by jolly old St. Nick himself! But some gifts that parents give to children aren’t wrapped, can not be held, boxed, or placed under a pine tree. They…
Inflation, Interest Rates, Your Credit, and Your MONEY!
It’s no secret to anyone that inflation has hit us hard in the last 10 months or so, and there doesn’t appear to be an end coming soon. Some economists actually believe that it will continue well into 2022. Again, that’s probably nothing that you don’t already know. But did you know that a…
How Do Collections Affect My Credit Score?
You may already know that if a bill goes unpaid for an extended period of time it is possible that the creditor may send the bill to a collections agency. This will commonly happen once a bill is more than 180 days late and after the creditor/lender has made multiple attempts to collect on…
How Long Does the Credit Repair Process Take?
The Credit Repair timeline can vary from person to person based on a number of factors, but one thing that doesn’t change is the process that must be followed in order to achieve results. If you understand this process, it will give you some idea of how long it can take. Here are the steps…
6 Reasons to Be Thankful for Good Credit
This week, we take time out to count our blessings and be thankful for the good fortunes in our lives, big and small. Sometimes there are “hidden” blessings that we may not consider too often, but that tend to be beneficial in our every day lives. If you have top tier credit, either by practicing…
Why You Should Take Action to Remove Mortgage Lates from Your Credit Report
The pandemic and job losses that followed caused millions of Americans to be late on mortgage payments. In some cases it may have been just one late payment, in other cases it was multiple late payments or what is commonly called “rolling” late payments. If those derogatory lates are still on your credit report,…
Beware of These 4 Red Flags of a Credit Repair Company
For most people, credit repair is a bit of a mystery. We even discussed the credit repair mystery in previous articles. While our process is time-tested and proven, there are still many credit repair companies out there who tend to mislead people with their advertising. There are very strict Federal laws that all credit repair…