Credit Tips

We invite you to join us at 6:00pm on November 9th as we have been humbly asked to team with local real estate leaders in presenting a “Zoom and Learn” workshop on home ownership!  We’ll cover important topics such as market stability, credit considerations, and lending guidelines.  All are welcome to attend as this is…

Sometimes, when people hear about credit repair and the stellar results we tend to get, there is a “too good to be true” attitude – and we understand why.   The results we achieve sometimes to seem like they are too good to be true and therefore, the assumption is that we must be exaggerating, doing…

Low credit scores can come from a number of things such as late payments, collections, not having enough credit, too much debt, etc. But sometimes consumers aren’t sure if they should look into credit repair or debt consolidation in an effort to get their finances back into shape.  If you find yourself in this position,…

As you might already know, there are three primary companies responsible for credit scoring: Experian, Equifax and TransUnion. All three are private companies and their scoring methods, although very similar, do have some differences that result in a variance of scores between the three. Many in Congress are now calling for a complete overhaul of…

We are always telling our clients that they need to establish credit and then use it wisely and make timely payments in order to achieve and maintain high credit scores. It’s not wrong to use credit cards – in fact you MUST use credit cards if you want to have top tier credit.  However, there…

It’s hard to believe we are already entering the 4th quarter of 2021.  With the new year just around the corner, a home purchase might be on your resolution list.  If so, there are a few things you can do now that will save you time, money, and stress when you’re ready to jump into…

Often we meet clients who have little or no history of using credit – folks who prefer to pay for goods and services with cash or debit cards only. While it might seem more responsible to not use much credit, it can actually pose a major problem when trying to finance a house, car, or…

Did you know that when you apply for a job, your potential employer can do a background check on you that includes a look at your credit? They don’t actually see your credit scores, but they can see your credit history. Why would an employer check your credit? For a few reasons… An applicant’s credit…

Credit in general tends to be something of a mystery.  After all, you financial life is somewhat dictated by your credit score but the credit bureaus don’t really tell you exactly how they determine your score.  There are guidelines in place, but for most people, credit scoring is fairly puzzling. The same is true when…

In the past, we’ve somewhat equated the need for good credit with the ability to buy a home.  After all, in order to qualify for a mortgage, you need to have at least “decent” credit and to get the best rates, you have to have excellent credit. But now the pandemic and things like the…