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How Divorce Impacts Your Credit

Divorce statistics do not reflect a “happily ever after” marriage for the majority of couples. When you realize there’s a possibility your marriage may end, take action to protect your credit. When taking inventory of all assets, please remember to include all jointly held credit cards, auto loans, and mortgages….

How Will Collections Affect A Credit Report

After a financial meltdown, many are reluctant to view their credit reports. They know negative reports from collection companies and creditors will affect their credit score. Therefore the question they most frequently ask is: What do I do about my credit score if I have a collection on my credit…

How Bankruptcy Affects Student Loans

Bankruptcy helps in many ways but it is not a cure for everything. If you want to wipe the slate clean and get a fresh start, know how bankruptcy affects all your debt, including your student loans. As you list your assets in preparation for bankruptcy, you may think all…

Will Your Credit Score Affect Your Job Search

Did you know potential employers can request a copy of your credit report? According to Inc. Magazine, about 60 percent of employers run credit checks on potential job applicants sometimes. This causes unnecessary stress for job seekers with poor credit scores. The unemployment rate is still high. Job seekers should…

Fannie Mae and Freddie Mac

Great News – Fannie Mae and Freddie Mac now accept a 620 FICO score for Mortgage Loans! Has less than stellar credit prevented you from getting a mortgage? If so, you may be in your new home sooner than you think! Fannie Mae and Freddie Mac are easing tight lending…

What Should I Do If I’m Deeply in Debt?

One of my friends just told me that he owes $68,000 in credit card debt. He’s 26 years old. And he has that feeling in the pit of his stomach—you know that feeling. He can’t ever truly relax because he’s so worried. All these questions start racing through his head……

How Can I Get Credit Cards If My Credit Score Is Terrible?

If you have bad credit, it’s critical that you have and use three to five credit cards. The only way credit bureaus will reward you with a high credit score is if you prove that you can responsibly manage debt. This means: Having at least three credit cards, keeping them…

My Wife Won’t Sleep in Our House, by 720 Credit Score

After renting for years, my wife and I just bought a house. It’s our ideal house—exactly what we were looking for in the exact neighborhood we wanted. We have dreams of raising our children there, and we smile thinking about the birthday parties, sleepovers, and graduation celebrations that will fill…

What Are the Credit Cards You Recommend for People With Good Credit?

We went out there and researched the best credit cards on the market, consider things like interest rates, rewards points, fees, and the like. You can see our recommended list of credit cards for people with strong credit here. And keep the following in mind: 1. In our program, we…

How Many Credit Cards Should I Have?

Question: “How many credit cards should I have if I want to earn the best possible credit score? I receive a lot of credit card offers in the mail. Should I apply for them?” Answer: Having the right number of credit cards is a big part of your credit score. Ideally, you…

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