Archive for April 2022

More often than not, when people have negative items on their credit report, they are aware of it.  They fell behind in payments, had a collection, or maybe had a lien or judgement against them. However, there are times when negative credit items or errors can “sneak” their way on to a credit report and…

We talk a lot about “good credit” and “bad credit” but what are the actual tiers that would separate good, fair, bad credit scores? Often, lenders might categorize scores differently.  For instance, a top tier score for a specific mortgage program might be 760 or higher and perhaps for other loans you might need a…

According to Redfin, nationwide rents were up 15% in January 2022, as compared to just one year ago.  In California, however, a number of metropolitan areas are exceeding that nationwide number at an alarming rate. 32% in Riverside 24% in Sacramento 19% in San Francisco 19% in Oakland 16% in San Diego 10% in Los…

Having credit cards and using them frequently are two steps toward having great credit.  However, making one of these common mistakes could negatively impact your credit scores. Making Late Payments This is probably a “no-brainer” for most people, but if your payment on a credit card is more than 30 days past due, it becomes…