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    You Don’t Have to Incur Debt to Earn an “A” Credit Score!

    Tuesday, September 29th, 2015

    A year ago my daughter turned 18 and became an adult… at least legally. She reached the age where according to the U.S. Government she could participate in contracts, vote, marry, or join the military. At 18, she could also have a credit score. I am in the business of credit scores or to be […]

    3 Ways to Win Your Credit Back

    Monday, May 11th, 2015

    You don’t have to be stuck with bad credit! For too many consumers a cloud of doubt hovers over the thought of improving their credit. The Federal Reserve just conducted a survey entitled, “The Economic Well-Being of U.S. Households”. In it they found that 15% of those surveyed do not apply for credit because of […]

    4 Easy Ways to Destroy Your Debt

    Monday, May 4th, 2015

    It seems like everyone has heard the advice to avoid going into debt, or at least unnecessary debt. Then why is America, as consumers and as a government, so deeply entrenched in debt?  As of April 2014 the national debt hit $17.5 trillion and as of Jan 2014 consumer debt hit $11.52 trillion. You can […]

    Credit Newbies

    Monday, April 13th, 2015

    Happy National Financial Capability Month! To help you become more financially capable, today’s topic is for Credit Newbies. Everyone wants the benefits of good credit, no matter what period of life one is in. For those entering financial independence, the benefits of good credit are especially crucial, but, obviously, they too have the least amount […]

    Stuck in the Credit Score Elevator

    Monday, January 26th, 2015

        Have you ever been stuck at the same credit score for several months? After infuriating months of responsible credit use, sometimes scores just plateau. Consumers benefit greatly from strong credit scores in interest rates, insurance premiums, employment searches, and even utility deposits. Yet the curse of the stagnant growth of a credit score […]

    My Score’s Fallen and It Can’t Get Up!

    Monday, June 30th, 2014

    You can realize your credit is in trouble in a variety of ways.  Many just know their credit must be bad based upon their bill paying habits.  Others learn when they pull their own credit report.  An unfortunate many learn they have problems when they are rejected from qualifying for their desired loan.  Whatever the […]

    Help: Credit Repair vs. Credit Counseling

    Monday, March 24th, 2014

    Some times financially you just might feel like the Beatles, screaming “Help!”  You may start looking because you know you need someone to help you get better credit.  When you were so much younger than today, all your credit worries seemed so far away.  But now you find you’ve changed your mind and opened up […]

    Getting Out of the Debt Trap

    Monday, March 17th, 2014

    No matter which financial adviser, counselor, or expert you go to, there will be a tirade on the dangers of excessive unnecessary debt.  From Dave Ramsey to your father, the simple advice of not spending more than you earn is widespread.  Yet why, then, does American consumer debt exceed 11 trillion dollars and is American […]

    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 […]

    Credit Checkups

    Monday, January 27th, 2014

    Now that you’ve worked hard to get your credit score out of the clutches of Hades, it is vitally important to retain a grip on your credit.  If you go back to your old habits, you run the risk of letting your shiny credit report corrode into waste.  It requires constant vigilance to keep a […]