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  • Archive for February, 2014

    Interest Rate Trends

    Monday, February 24th, 2014

    Studies show that only about half of Americans practice mature savings habits.  As this week is America Saves Week, we will talk about one financial issue that has a big impact on savings: interest rates.  Interest rates often determine how much people save and how much their savings are worth.  Interest rates also impact credit […]

    How to Read a Credit Report – Recency, Frequency, and Severity

    Monday, February 17th, 2014

    The entire spectrum of the credit world may be difficult to understand all at once, but every consumer need not worry themselves with all of it.  The items drastically effecting their personal credit report matter most.  Being able to read a credit report correctly will allow a consumer to then focus efforts on the most […]

    Where’s the love? How to win back your good credit rating.

    Tuesday, February 4th, 2014

        Have you been in a long-term relationship with credit only to discover one mistake can erase years of faithfully managing your good credit?  One 30-day late on your mortgage payment and it can take up to 3 years to restore your FICO score.  A foreclosure or a short-sale, can take up to 7 years […]

    Rent and Credit Scores: Not as Good as it Seems

    Monday, February 3rd, 2014

    Those with thin credit histories have some hope of beefing up their reports from Experian’s relatively recent inclusion of rent payments on credit reports.  Previous to 2011, the only way rental agreements could appear on credit reports was negative information reported by the landlord on evictions and collections. As with all credit items, reporting to […]