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    Super Prime vs. Subprime

    Friday, January 27th, 2017

    The Super Bowl has become an unofficial American national holiday.  Over 100 million people are expected to watch and it is second only to Thanksgiving for U.S. food consumption.  Players from the 2017 winning team will earn $97,000 each and the losers will earn $49,000.  Not bad for one hour of work. The average pay […]

    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 […]

    Don’t be Scammed – Free Credit Report Source

    Thursday, September 29th, 2016

    Google “Free Credit Report”. You, like nearly 100 million other Americans want to take advantage of your right to an annual free credit report. Freecreditreport.com sounds legit… or maybe freescoreonline.com should work… how about creditreport.com or creditkarma.com sounds fancy.  Page after page of impostor sites vying for tens of millions of googlers.  Who to choose? […]

    Upcoming Changes to the Credit Industry – Part 1

    Wednesday, September 28th, 2016

    If political unrest, social conflict, and economic insecurities weren’t enough, the upcoming changes to the credit industry can be the cherry on top of your already melting sundae. Over the next three posts, we will be exploring the changes surrounding the credit industry. Specifically: – Credit Scoring – Consumer Privacy Rights – Credit Repair In […]

    Credit Score Needed for FHA Loan

    Tuesday, August 23rd, 2016

    It’s written in bold letters on FHA.com.  Credit Requirements for FHA loans, 580 or higher = 3.5% Down Payment and Lower than 580 = 10% Down Payment.  Then why can’t you get approved with that score? FHA Doesn’t Do Home Loans FHA loans are not offered by the FHA (Federal Housing Administration).  In fact, the FHA […]

    What Does Your Age Say About Your Credit Score?

    Tuesday, June 28th, 2016

    If you are a Baby Boomer, chances are you have an excellent credit score. The average credit score for those 55 and older is nearly 700. The bad news is if you are “Generation X (1965 – 1976)”, a “Millennial (1977 – 1995)”, or “iGen, Gen Z or Centennial (after 1996)”, the average score is […]

    Pete the Planner and Why Credit Scoring is Changing

    Wednesday, March 23rd, 2016

    By: Alex Grimnes Each morning I search a variety of news sources for updates on the credit industry. It’s amazing what you find, especially on the “quick fixes” for credit, but I found a recent article written by Pete the Planner for USA Today regarding a consumer’s request to learn more about fixing their credit […]