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  • Archive for December, 2014

    Credit Consequences of Cosigners

    Monday, December 29th, 2014

    So what happens when you cosign on a loan? This is a serious matter that should not be taken lightly. You should only cosign on a loan with someone very close who you will be in contact with for at least the length of the loan. Cosigning on a loan legally binds you to the […]

    The Impact of the Great Recession on Credit Scores

    Monday, December 22nd, 2014

    When considering the impact of the Great Recession on credit, many assume that there was an overall negative result. With all of the credit defaults, it is reasonable to expect a decline in scores. However, this is not what we actually see. The results may not be what you would initially think. Up? It could […]

    Time Flies… Hopefully

    Monday, December 15th, 2014

    So much of your credit report deals with time. Payment history is a huge portion of your credit score. Those with the strongest scores have a long history of on-time payments. Likewise, those with poor scores have many negative items from their credit past. Good payments remain a part of your credit forever, but negative […]

    How to get off the credit bureaus “Naughty” list

    Thursday, December 11th, 2014

    Tis the season to be jolly, but it’s hard to avoid becoming a Grinch when your credit score is two sizes too small. Certainly, lower credit scores impact access to credit, but they also cause less than favorable terms. Credit Cards – Save $1,000! – In November, 2014, according to Credit Karma, the average interest […]

    Reaging of Accounts

    Monday, December 8th, 2014

    The term reaging is not as glamorous as it might seem. This is something that will not reflect positively on your credit report. It happens to you and is not something that you can purposefully or accidentally do. Reaging occurs when the date from which an account is supposed to be purged from your report […]

    Credit Education – Avoid the School of Hard Knocks

    Monday, December 1st, 2014

    Americans have been given a D rating for their credit knowledge. Education on credit matters clearly should be a priority as credit has far reaching consequences beyond simple finances. Most Americans learn about credit in a reactionary manner, often in response to financial setbacks. If many adults hardly know about it, how should we expect […]