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  • Archive for September, 2013

    Utilization – It May Cost You More than the Sticker Price

    Monday, September 30th, 2013

    FICO scores are derived from multiple criteria, involving items you may not have thought significant.  One important aspect of your credit cards is how heavily you use them, which is represented by the utilization ratio.  This can have a significant effect on your FICO score, even if you are diligently making all of your payments […]

    Putting the “Free” Back Into “Free Credit Report”

    Thursday, September 26th, 2013

    On 26 September 1914 the Federal Trade Commission was created.  The FTC has become stronger and more active throughout its existence and today it is a major player in the credit world.  The enforcement of free annual credit reports is under the jurisdiction of the FTC, which were made available under the Fair Credit Reporting […]

    Credit Repair Scams vs Legitimate Repair Companies

    Monday, September 16th, 2013

    The opening section of the Credit Repair Organization Act (CROA, 1996) acts as a perfect introduction to the subject of legitimate credit repair.  “Consumers have a vital interest in establishing and maintaining their credit worthiness and credit standing in order to obtain and use credit. As a result, consumers who have experienced credit problems may […]

    To Credit or Not to Credit: Ulzheimer vs Ramsey

    Monday, September 9th, 2013

    Financial issues always bring out the best, or worst, in us.  Everyone seems uniquely qualified to bring up their own opinion.  However, people can get rather upset when their ideas of financial security do not match up with others.  In the credit world, there are two titanic opposing forces.  In the blue corner is Dave […]

    How Bad Credit Can Prevent You from Getting Hired

    Monday, September 2nd, 2013

    By Steven Palmer Most people get the fact that if they are applying for a loan or a credit card that the creditor will perform a credit check, but many are surprised to learn that creditors aren’t the only ones looking at our credit profiles and the impact can have serious consequences. Insurance companies, landlords, […]

    It’s A Wonderful Life Insurance, Or Is It?

    Sunday, September 1st, 2013

    September is Life Insurance Awareness Month so we devote the first blog of September to the eternal question of term vs whole life insurance.   We’ll also explore an interesting spin off of traditional life insurance – credit life insurance. Term Life Insurance Term policies are limited to the agreed upon time period that you are […]