Credit Tips

When couples file for divorce, one of the things they often fail to consider is the effect it could have on their credit.  It all depends on how their credit accounts are set up. For instance, if a couple has “joint” credit cards and the courts determine that one ex-spouse is responsible to pay a…

Thieves are constantly at work trying to steal your personal data.  Even if you aren’t directly hacked, your information could be compromised if a company you do business with (such as a bank, credit card company, insurance company, doctor’s office, or even a mobile app) gets breached by a hacker. Identity theft protection is critical…

As the end of the year approaches, you will be seeing more and more car advertisements as the manufacturers want to sell as much inventory as possible before the New Year.  If you are contemplating a car purchase and you’ll be trading in your old car with an outstanding loan balance, here is something to…

When it comes to disputing derogatory items on your credit report, you might find it pleasantly surprising to know that time is truly on your side! The reason why we are typically able to get great results for our clients is because when we challenge a negative credit item on behalf of one of our…

Free credit monitoring websites are infamous for sending email alerts warning that your credit scores have changed, or even worse – “dropped”. When you click on the email to find out why your scores have fallen, there is often no reason given.Why? Because EVERY free credit monitoring website will use varying attempts to market to you so…

This is a common question that married couples will ask. In short, the answer is “no”. You can share an account and credit cards with your spouse but each of you have your own credit score. If you share an account and your spouse misses a payment however, your scores will be impacted since you…

If you are in the process of buying, selling, or refinancing your home… Make sure you make your current mortgage payment, even if you think that your new loan will close before the payment on the old loan is due. Here’s why: One in three instances the new financing company will not payoff your current…

Many people are concerned about what tomorrow will bring. It’s understandable to experience anxiety. One thing we know is that it is never wise to make decisions based on emotion. We DO know that our credit will absolutely be important to us when the dust settles. So what are some things you can be doing…