By: CalvinWriter
Many people think they are building their credit scores by using their credit cards and carrying a balance. There is nothing wrong with having a credit card, but you must know how to use it properly. Many times, I see consumers will really high credit card balances and they feel like they are stuck in
Read More
By: CalvinWriter
Written By: Calvin O’Neal Russell Jr With so many credit scores and reports out there to choose from, its difficult to know which one is the most accurate. But in reality, all credit scores are accurate, which includes Credit Karma. Many of client’s use Credit Karma. The number question I hear “Is Credit Karma Really
Read More
By: CalvinWriter
Most consumers know that the easiest way to build your credit is by getting a credit card. Credit cards are the easiest way simply because they do not require much to get approved. For the most part, even a consumer that doesn’t have the best credit can get approved for credit card with a reputable
Read More
By: CalvinWriter
With so many credit score platforms and algorithms out there, many consumers are not sure which is the best route to go. Some companies charge a fee to see your credit score and report and few companies offer a free service. So the question is, can I really see my credit score for free? The
Read More
By: CalvinWriter
Many of my clients have dealt with a previous repossession and some of them are not sure how to bounce back from that. There are a few steps to follow and of course, you must have patience as many banks are not willing to give a second chance. I will quickly break down step by
Read More
By: CalvinWriter
When you think of getting your credit pulled, you think your score is going to drop a lot of points right? Well, you are incorrect. There are rules in place from the FICO algorithm that keep your scores from taking huge dives. There are also rules in place in which your score will decrease, but
Read More
By: CalvinWriter
By: Calvin O’Neal Russell Jr – Certified FICO Professional I remember it like it was yesterday. I walked inside of the tax place and the lady was very professional. She explained to me how taxes worked and how people always ended up getting refunds. Of course, I asked how can I get one. She told me
Read More
By: CalvinWriter
Written By: Calvin O’Neal Russell Jr – Certified FICO Professional Not too long ago, one of my clients applied for a credit card at a “680 Credit Score Bank.” After putting in the application, he was denied and decided that he would never apply for a credit card again. I explained to him that is
Read More
By: CalvinWriter
One of the most anticipated times of the year is well among us all. That time is…. TAX TIME! Some people love it and some people hate it! Either way, if you are expecting a refund from your tax return, sometimes it may be difficult on which route is best to go if you are
Read More
By: CalvinWriter
Its the most wonderful time of the year! Or should I play that damn Temptations Christmas Album my mom would wear out!!! LOL!!! Ahhh, those were the days. Anyway, I want to go over how to Maintain Good Credit During The Holidays and maintaining a good credit score while still shopping for gifts and such.
Read More
Join 10,000 women who have downloaded the FREE excerpt of my best-selling book, Heal Your Relationship With Money.
