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 MoreIn light of Women’s Month (well really Women’s History month but modern day women are just as important!) we’re bringing you a three-part series: Saying No Like A Boss As women we get so tripped up in being nice that we don’t consider our own needs. We give automatic yeses to situations that require nos.
Read MoreTiffany the Budgetnista is back with another helpful post! ( You can learn more about Tiffany and The Budgetnista here: thebudgetnista.com) I know, I know….Debt Collectors can seem reeeeally scary. They’re these mysterious people who call you and demand payment whether you have it or not. They can even threaten you with credit destruction, wage garnishments
Read MoreEarlier this month I attended a Morgan Stanley workshop called, “Women and Wealth” headed by the Urban Girl Squad to increase my financial acumen and because, as you know, personal finance and empowerment are passions of mine. The workshop covered the basics as it relates to savings, money management, and retirement. Their message, like any
Read MoreBy: 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 Moreauto pay, would spend money that she didn’t have, and then ended up with multiple overdraft fees on her checking account. However, when she took the auto pay off she would forget to pay her bills and ended up paying late fees. It’s definitely a challenge because without the proper vigilance or system a lot of
Read MoreMost of us living today have too many things to do and not enough time. With only 24 hours in a day and needing to sleep, eat, and travel that doesn’t leave enough time for everything else. Since wishing for more time doesn’t change anything the only thing we can do is use what we have
Read MoreHey Mr. DJ Ever hear a song that you don’t really like on the radio, but because they play it so often, it kind of gets stuck in your head? We all have. It’s definitely annoying, but there is no real harm in having a corny song take up some temporary head space before being
Read MoreMy husband and I have always toyed with the idea of living off of fifty percent of our incomes— not necessarily because one of us wants to quit our job right now, (ummm…that’s really not true…so let me stop LOL) but because we are serious about wealth and understand that our daily decisions impact our
Read MoreWritten 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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