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 MoreFREE QUIZ: Know Your Money Personality 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
Read MoreWhen 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 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
Read MoreOne 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 MoreRebuilding credit can seem like a frustrating task. Many consumers give up and eventually file for bankruptcy, which is the worst decision to make as this will make future credit building more difficult. After viewing over 50-60 credit reports per day, I have personally seen consumers bounce back into the high 600’s and 700’s in
Read MoreIts 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 MoreEvery day, many people are looking for an apartment, condo, or home to rent. In most cases, the landlord of the property will more than likely give you an application to fill out and charge an application fee as well. With so many people applying for the same complex or units, there are a list
Read MoreLet’s Make a Vacation Out of It Data from the World Tourism Organization (WTO) find that America ranks amongst the lowest in developed countries in the average annual amount of vacation time their citizens receive. Member-countries of the European Union (EU) like Italy, Germany, France, and the United Kingdom receive, on average, 42 days, 37
Read MoreCredit isn’t bad; the misuse of credit is bad. Credit can be very dangerous in the hands of an impulse spender or a person who defines herself by her closet. This can cause that individual to go into a lot of debt. However, if used wisely credit can be very helpful. Let’s face it. Our
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