Credit Tips

Every day we receive phone calls from consumers across the nation who are in sheer panic mode.  In many cases, they have been alerted that their personal information has been compromised.  Fixing this issue is MUCH more difficult than simply preventing it from happening in the first place.  So with that in mind, we have…

You may have heard us mention this before, but we wanted to provide you with a bit more information. A new credit scoring model is here!  It allows consumers to have banking information included in their credit scoring.  Here’s how it works… Under this new model, consumers are offered the opportunity to improve their scores…

We always advise our clients (and pretty much everyone we talk to) that having strong credit scores will require you to have some credit cards/revolving credit.  We recommend that consumers have 3-5 of these revolving lines.  When someone has lower or “challenged” scores, it’s important to consider obtaining these essential revolving lines of credit.   We…

How often do you use your debit card? Do you use it when you travel?  Do you use it in places such as gas stations, convenience stores, for online purchases, or anywhere that may have “less than optimal” security measures in place? One of the risks of not having a few credit cards available for…

These days, your credit score influences more than you might think. Most of us tend to think of credit scores when we are planning to buy a home or a car. But your credit score can influence some surprising aspects of your life, such as your car insurance rates or even your job prospects! And,…

This advice sounds crazy to many people…  Don’t pay off your car if you are trying to build up your credit scores. “But why?  Isn’t paying off debt a good thing?” Well, under normal circumstances, yes, paying off debt is a good thing.  However, when you have an installment loan on your credit report that…