Dave Ramsey Tip On Credit Repair

Dave Ramsey is one of our favorite financial minds here, and we enjoy sharing some of his tips from time to time. In this video Dave has an interesting take on what he recommends for credit repair.

Does Using A Charge Card Help Your Credit Score?

Here’s an interesting take on the question of whether or not using a charge card will help you improve your credit score. Remember there is a difference between a charge card, like an American Express, and a credit card like a Visa.  

Why Short Sales Tank Your Credit

It’s rough out there, housing prices are continuing to drop, and that beautiful 3 bedroom you bought in 2006 with an interest only loan is now worth half of what you bought it for. And even though it’s currently worth a heck of a lot less than what you paid, you’re still on the hook […]

49 Credit Scores and Counting – Enough Already FICO!!!

We’ve been telling our clients for years, the credit score you see when you buy your credit reports and scores, is NOT the credit score the lender sees.  In fact, it is more of a guideline to help you know if you are even within the game, rather than a determining factor in whether or […]

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 […]