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  • Archive for December, 2013

    Capacity, Collateral, and Creditworthiness

    Monday, December 30th, 2013

    As we approach the New Year, many will set goals and make plans to achieve those goals.  One of those goals may be homeownership, so we’re going to help you to qualify.  While your credit rating is a huge part of any loan you apply for, this is not all that goes into whether you […]

    Credit Cost of Cars

    Monday, December 23rd, 2013

    As people are frantically completing their holiday shopping, seasonal car commercials are merrily pronouncing new auto deals.  When did such financing begin and what does credit have to do with it?  With the implementation of the assembly line in the automobile industry at the beginning of the 20th century, automobile manufacturers began pushing the sale of as many vehicles as […]

    The 5 Fastest Ways to Boost Your Credit Score

    Monday, December 16th, 2013

    While it is impossible to promise a boost of X points to anyone, there are some basic principles that can cause small to large leaps in your credit scores. Each score is too individualized and based on too many factors to be able to make blanket statements about score improvement. Although, significant improvement can be […]

    Purpose of a FICO Score – Predict Default Risk

    Monday, December 9th, 2013

    The importance of credit scores cannot be emphasized enough, but what is the intended purpose of such scores?  Developed by Fair Isaac Corporation (FICO) in 1958, credit scores attempt to compile all financial data on a person and represent his/her default risk in a simple scalable number.  With this data, a lender can properly accept, […]

    Good Credit Lasts a Lifetime, Bad Credit 7 – 10 Years, and Ugly Credit as Long as You Let It

    Monday, December 2nd, 2013

    Often people focus only on the negative aspects of credit reports. Overlooked too often is the power of building positive credit. A credit report represents a showdown of your good, bad, and ugly credit items. While removing negative items certainly helps a credit score, it is important to remember the value of a positive credit […]