5 Factors That Determine Your Credit Score

Your credit scores usually determine the price you pay for your money, whether it be your mortgages, your auto loans and leases, your credit cards, business loans, your homeowners insurance, and so on.  Perhaps the most significant part of your credit report is your credit score. Credit scores range from 350 to 850, with 850 being the best possible credit score that you could receive (and nearly impossible to achieve), and 350 being the worst possible credit score. 

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Do This 1st When Buying a Home

Dreaming of buying a home can be a lot of fun, especially if it’s a first home. Maybe it’s a townhouse in the suburbs, a condo in the city, or an open concept floorplan near the lake. No matter what you’ve been dreaming for your first home, it’s a place you want to be.

While you’ve been dreaming of buying your first home, you probably have not even begun to think about your ideal mortgage. That’s no surprise, it isn’t nearly … Continue reading

Getting A Mortgage Isn’t That Hard

You may have heard stories about changes in the mortgage industry in the years since the financial crisis and the difficulty in obtaining a mortgage for your home purchase.  The common perception is that it is “very difficult” to get a mortgage today.  Contrary to this popular belief, getting a mortgage is not the nightmare you may think…it’s really not that hard!

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How to Crack Your Credit Report Codes

You’ve undoubtedly heard it before:  your credit report and credit score affect your ability to qualify for the best rates on services, insurance and especially, home loans. Personal credit ratings and scores have also become a qualifying gauge for employers, especially those who seek to place employees in a position of management or financial responsibility.

Given the broad uses of your personal credit report, it is in your best interest to make every effort to maintain a healthy one. Often … Continue reading

Your Personal Information is Being Sold!

Every day, your personal and financial information is being bought and sold without your knowledge and consent!  Did you know that the major credit bureaus sell your personal information?  Yep, it’s true and it’s known as a “trigger lead.”  The credit bureaus have found a way to make a couple of extra bucks at your expense.

The Fair Credit Reporting Act allows the sale of your name although many believe it is being violated because excessive information is being sold … Continue reading

5 Tips to Protect Your Identity During the Holiday Season

The holiday season is upon us and ‘tis the season for crooks, thieves, and hackers.  They will be busy taking your money, your identity, and wreaking all kinds of havoc.   Not just on the Internet but also at the mall, the airport, the check out register and even at your front door!

The Federal Trade Commission (FTC) estimates that as many as 9 million Americans have their identity stolen each year. This means that an identity is stolen every 3 … Continue reading

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