Credit Tips

It’s probably not a surprise to you that banks are in business to make money – a lot of money. There are many ways for banks to make money, but here’s the basic scenario that they implement over and over every day and how unsuspecting customers help the banks to “fill their pockets.” How Banks…

This is a common question we get.  People often want to know if their spouse’s credit will effect their credit – either in a positive or negative way. The answer is an emphatic “It depends.”  Let’s look at this a bit closer. You and your spouse will have different credit scores, regardless of how long…

You might be surprised to learn how many different negative items can appear on a credit report.  You might also be surprised at all of the different items that we have had success removing in the past.  It’s is more than just late payments and some items can actually remain on a credit report for…

Sometimes, people may not have perfect credit, but their credit is “average” or “ok” or “good enough to qualify for loans, credit cards, etc.”  In these cases, people often don’t even think about credit repair because, let’s face it, it’s not an urgent need unless it keeps you from getting something you want.  With average…

By the time you’re in your 30’s (or sooner) you realize how critical it is to have high credit scores.  Sometimes you find out the hard way by getting denied for a loan or having to pay higher interest rates on a credit card, but eventually you figure out how important good credit scores are.…

It’s graduation time across the country and over 3 million teenagers in the United States will be graduating from high school. Whether they plan on attending college, entering the workforce, or enlisting in the military, the one thing they will all have in common is the need to begin building credit. How do you build…