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    10 Credit Tips to Improve your Life in 2017

    Monday, December 19th, 2016

    Carrying a Balance Will Hurt You More Until a year ago, Federal Reserve rates were at zero for more than half a decade. A rate hike in December of 2015 and another hike in December of 2016 has changed the trend. Expect three more rate hikes in 2017. Creditors and credit card companies are likely […]

    Minimum Credit Card Payments Put a Freeze on Christmas Cheer

    Wednesday, November 23rd, 2016

    According to a Gallup poll, last year, the average Christmas spending among households with children younger than 18 living at home was $1,092.  What if you were to put that amount on your credit card and pay minimum payments, how long would it take to pay it off and how much would you spend?  Of […]

    10 Credit Tips to Improve your Life in 2017

    Wednesday, November 23rd, 2016

    Carrying a Balance Will Hurt You More Until a year ago, Federal Reserve rates were at zero for more than half a decade. A rate hike in December of 2015 and another hike in December of 2016 has changed the trend. Expect three more rate hikes in 2017. Creditors and credit card companies are likely […]

    Millennials and the Credit Game

    Friday, October 28th, 2016

    For the most part, we get it… avoiding debt is a smart move. But like a calculated game of chess, each move counts and in the game of credit, the consequences are slow to develop. Millennials evoke a strange mix of narratives. Entitlement, self-involved, lacking in perspective… at least we hear. But its turning out […]

    Does the “Authorized User” Strategy Still Work In Building Credit?

    Tuesday, July 26th, 2016

    Becoming an authorized user on an existing credit card account can still be a very powerful tool in building your credit score. The 1974 Equal Credit Opportunity Act (ECOA) imposes an important requirements on creditors; when providing information to the credit bureaus, creditors are required to furnish information for the authorized user as well.  According […]

    Credit Invisibles – 5 Ways it is Costing You

    Tuesday, June 28th, 2016

    According to a recent report by the Consumer Financial Protection Bureau (CFPB), 26 million American consumers were credit invisible, representing 11% of the adult population.  An additional 19 million consumers, representing 8.3% of the adult population had credit records that were categorized as unscorable because of insufficient credit history or a lack of recent history.  […]

    Boost Your Credit Score With One Call

    Thursday, May 26th, 2016

    It’s no surprise that 35% of a FICO credit score is based on “Payment History”.  If you have a rocky payment history, you may think that the only way to boost your score is by improving your payment performance.  Yes, that should be your objective, of course, but remember only a little more than a […]

    Can You Have Too Many Credit Cards?

    Thursday, March 24th, 2016

    Tyler Tepper, Money On average, Americans tend to have a slightly higher number of credit cards (2.24) than they do children (between 1.5 and 2) — although of course some people eschew credit altogether, while others accumulate reams of plastic.  The Guinness World Record holder, Walter Cavanagh of Santa Clara, Calif., has 1,497 credit cards — 38 […]

    Top 10 Credit Tips for 2016

    Wednesday, December 23rd, 2015

    #10                  Pull free credit report from each of the major credit bureaus at least once a year. A 2015 study released by the FTC found that 23% of consumers identified inaccurate information on their credit report. The Fair Credit Reporting act requires negative items to be removed if they are inaccurate, unverifiable, misleading, or outdated. […]

    FREE Credit Scores from Some of the Top Credit Card Providers: Are You Taking Advantage?

    Monday, November 2nd, 2015

    Chase Bank, the nation’s largest bank began offering free FICO credit scores to its 10 million Slate Credit Card customers in late March of 2015. As of late September, only 1 million people are enrolled and taking advantage in the bank’s “Slate Credit Score and More” program, Chase spokesman Jeff Lyttle said Tuesday. Interestingly, in […]