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  • Archive for April, 2014

    Irrelevant Factors

    Monday, April 28th, 2014

    Although a credit report contains many items, it does not contain everything about you.  Consumers are protected by law from having certain things on their credit reports or considered for their score.  Other factors are chosen to not be included because they do not accurately predict credit risk.  Below are listed some things not on […]

    Calumny of a College Education

    Wednesday, April 23rd, 2014

    As today is Teach a Child to Save Day, this blog will cover one of the most important aspects of a child’s life – education.  Saving for and funding higher education is the first major financial obstacle in many American’s lives.  The value of a prestigious university education, however, has been the center of serious […]

    Time & Money

    Monday, April 21st, 2014

    Taking Benjamin Franklin’s quote of “in this world nothing can be said to be certain, except death and taxes,” to the next level, I would say there are four things we can be certain of: death, time, taxes, and money.  And then these four are dichotomized against each other.  Thus life can be simplified into […]

    Credit Scoring Models: 99 Bottles of Credit on the Wall, 99 Bottles of Credit…

    Monday, April 14th, 2014

    FICO was first, therefore it has had a virtual monopoly on credit reports used in the industry for decades. In the last ten years with the proliferation of the internet, many other scores have appeared.  Each predicts default risk in slightly different ways.  Many of them appear similar to FICO’s scale but are in fact different […]


    Monday, April 7th, 2014

    The light at the end of the tunnel – retirement.  A lifetime of appropriate credit decision allows for less stress when full time work ceases.  Not having to devote limited retirement funds to late payments or fees from loans and credit cards is a great relief.  Continuing to practice good credit habits into retirement will […]

    Underwhelming Unemployment

    Wednesday, April 2nd, 2014

    Today is National Employee Benefits Day, so we’re going to celebrate the greatest employee benefit of all – lack of unemployment.  When the worst thing that could happen at work does, your credit could save you, bury you, or get thrashed.  Current employment is not a factor on your credit report although some of your […]