Personal Finance Emergency Preparedness Kit

I don’t know if the Mayans are going to be right about the world ending on 12/21/2012, but there sure as heck seems to be a ton of natural disasters recently.  And they appear to be happening more frequently. With the popularity of shows such as Doomsday Preppers, and the plethora of information floating around […]

Consumer Financial Protection Bureau issues first report on credit bureaus

The Consumer Financial Protection Bureau (CFPB) released its first report on the major credit bureaus since it expanded its jurisdictional reach in July.  The major credit bureaus are Equifax, TranUnion and Experian. As expected, your credit report history is comprised mainly of credit card history and debt collection items generate the highest rate of credit […]

How Is Your FICO Credit Score Calculated?

Here’s a handy little chart we put together to help you understand what information affects your credit score. Improving the information in any of these categories will have a significant effect on your score. In general your credit score is made up of your payment history in addition to other factors.  (If you don’t know […]

Improve Credit Score After Identity Theft

It’s no secret, everywhere you look you are told of the dangers and increasing volume of identity theft.  Fortunately, there are some things that you can do to improve credit score after falling victim to this horrific crime. Unfortunately, this crime happens far too often.  Perhaps when you’re waiter swiped your credit card he also […]

Credit Clean Up For One Please. Credit Repair After Divorce.

A divorce can be devastating on so many levels.  You may be emotionally, and physically drained from dealing with such a tumultuous experience.  You are left trying to put back all the pieces of your life and starting anew, but there is one important thing to clean up in addition to all of the relationship […]

Things To Do To Fix Credit Problems In This Economy

Now is the time to start to fix credit problems to position yourself for the future.  The global recession, unfortunately, has touched almost every American consumer and business in a negative way.  Perhaps you have felt the effects personally, having lost your job, having your employer go out of business or possibly reducing your hours […]

Credit Dispute – Go it alone, or get Professional help?

One of the questions we are often asked is should I do my credit dispute by myself, or get some help?  There are many things to keep in mind when deciding what is the best answer for you.  Let’s walk through some of the things to consider before making your decision. We have developed a […]

Your Credit Score Range – What It Means, What It Costs.

Unfortunately, in our fast paced technology centric society your credit score range means everything to your finances and possibly your quality of life.  Lenders, banks, employers, insurance companies and a host of others look at what credit score range you fall within.  Lenders and Banks use this to determine if they will actually make you […]