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    4 Unexpected Things That Can Hurt Your Credit Score

    Tuesday, June 27th, 2017

    #1 – Failing to pay your medical bills Most people expect credit scores to be impacted negatively if they default or miss a payment on a credit card or loan, but many don’t realize that failing to pay a medical bill could seriously hurt their credit. Half of all overdue debt on credit reports is […]

    Your Credit Score May Get a Boost on July 1st

    Tuesday, June 27th, 2017

    Your credit score may go up by as much as 40 points this Saturday. On July 1, 2017 many tax liens, civil judgments and even medical debt will be removed from consumer credit files. Millions of Americans could benefit from this change. Why the change? It has been in the works for a long time, […]

    How one Click on Facebook could affect your Credit Score

    Friday, January 27th, 2017

    Next time you get a friend request on Facebook, you might want to consider how clicking “Confirm” might impact your credit rating. Some reports suggest that as many as 63% of Millennials don’t have a credit card.  Financial institutions and credit scoring companies are very anxious to market to and engage this generation.  The challenge […]

    Credit Card – Minimum Payment Calculator

    Wednesday, November 23rd, 2016

    Click Bankrate Calculator

    Chip Card, a New Generation of Smart Cards?

    Friday, October 28th, 2016

    Many of you have already received replacement cards for your common credit accounts or debit cards. Have you wondered why the store check-out process has become more challenging? What’s in the chip and why are banks and merchants making the switch? EMV, which stands for Europay, MasterCard and Visa, is a global standard for cards […]

    Two Big Changes Impacting Medical Debt & Credit Scores

    Tuesday, August 23rd, 2016

    Medical debt is the most common type of collection, consisting of 52% of all accounts reported by collection agencies.  According to Experian, 64.3 million Americans have a medical collection recorded on their credit report.  Consumers have argued that medical debt impacts their credit rating unfairly and now a legal settlement and a revised credit model […]

    She only wants you for your score

    Tuesday, July 26th, 2016

    Using my credit score to approve a home loan, okay.  Pulling my credit report before offering me a job, really?  Increasing my insurance premiums not because of a claim, but because of a low credit score, can they do that?  … and now predicting how good of a partner I’ll be based on my credit […]

    Do You Carry?

    Thursday, May 26th, 2016

    4 out of every 10 Americans carry a balance on their credit cards, which means they are paying an amount less than the balance. The disadvantage of carrying a balance is the cost of interest paid to the credit card company.  For example, if you were to purchase a 13” MacBook Air at a cost […]

    Why You Should Replace your Debit Card with a Credit Card

    Tuesday, April 26th, 2016

    Certainly debit cards have their advantages; they allow you to spend only what you have in your checking account and they are more convenient than carrying cash, but the disadvantages far outweigh the advantages.  The popular consumer expert, Clark Howard, says; “debit cards are overwhelmingly inferior to credit cards”.    Here are 10 reasons why. Fight […]


    Thursday, March 24th, 2016

    By Dr. Andrew Jennings, FICO; Global Banking and Finance Review When we think of the underserved market for credit, we may well think about emerging markets in Africa or Eastern Europe. But there is an underserved market even in the United States. More than 50 million people in the US don’t have a FICO® score […]