Why You Need A Balance Transfer Credit Card

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

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Is Credit Karma Really Accurate?

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

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2 Ways To Build Credit Without A Credit Card

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

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Free Ways To Check Your Credit Score

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

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How To Bounce Back From A Repossession

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

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The Facts About Getting Your Credit Pulled

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

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How To Stop The Student Loan Mafia From Taking Your Tax Return

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

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What Is 680 Credit Score Bank?

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

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How To Use Your Tax Refund When Financing A Car With Bad Credit

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

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How To Maintain Good Credit During The Holidays

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.

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