FICO was founded in 1956 as Fair, Isaac and Company by engineer William Fair and mathematician Earl Isaac. The company debuted its first general-purpose FICO score in 1989 and by 2005, they sold their 10 Millionth Score! Watch this short video on what the score is and why it matters. Every day, thousands of U.S. lenders use FICO Scores
Read MoreMany young adults apply for student and auto loans only to get denied because of low credit score. Some of them have no idea how to build credit or how to start on the right path. That is usually when the parents come in. Some parents show their children how to build credit, some build
Read MoreMany married couples think that certain activities affect their credit score. I have seen this time and time again in which married couples are afraid to make certain financial moves because of a few misconceptions. Let’s go over a few of them. 1. Do Accounts Merge Together When You Get Married? Not at all. Account
Read MoreFinancing a car can be time-consuming. First, you must find a car you like, look for a reasonable price to pay, and decide where you will do business. But the longest part of the process is being at the dealership. Whether you are doing back and forth on a price, going through their selection of
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Alright. It’s time to stop sugar coating your credit score. For months, you have been trying to figure out why your score is in the 400-500 range. You ask yourself, “Is There Hope?” or “Can I at least get my score to 590 or 600. I am here to tell you YES! The only way
Read MoreMany consumers are looking for the best and fastest way to increase their credit score. Some people think a small personal loan or auto loan would do the trick. That would work……only if the score was high enough to achieve that along with high monthly payments. The best and fastest way to increase a low
Read Moreby Calvin Russell, Jr. Trying to get an apartment with a low credit score can be a tough task to complete. First, you have to find a landlord willing to accept a low credit score. Then second, you would hope that the neighborhood is worth your while and with affordable rent. Either way, you must
Read MoreDid you know that the highest expense for most consumers is their “Living Expense.” For some consumers, its the mortgage payment, but for most consumers, its their rent payments. In some states, over 72% of the population live in rental properties. Even with most consumers paying monthly rent to live in an apartment, condo, or
Read MoreBy Calvin O’Neal Russell Jr Rebuilding 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
Read MoreIs a fixed or a variable rate home loan best for you? I’ve partnered with Newcastle Permanent to help you answer this question in this sponsored post. Newcastle Permanent provides mortgages with interest rates that are lower than the competition. With interest rates lower than they have been in many years, fixing your home loan
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