Bankruptcy and Credit

The amount of consumers that file bankruptcy each year continue to decline since new laws went into effect in 2005 tightening the requirements for a consumer to be able to file. The numbers that still … [Read more...]

Is Being Debt Free a Good Idea?

You’ve sold your home, paid off the car and all your credit cards and even closed most of them. You are completely debt free! This is great…right? Well, not when it comes to your credit score. Believe … [Read more...]

The FTC Provides Free Publications for Consumers

A presentation of the Did You Know Series Did you know…The Federal Trade Commission (FTC) has an abundance of free publications that you can order to help you with your credit? They offer … [Read more...]

I See Dead People

Well, perhaps not…however that’s probably how a loan officer feels when he is sitting in his office with a client, pulls their credit and it is missing one or more scores because that particular … [Read more...]

Avoid the Holiday Credit Card Hangover

It’s getting to be that time of year again when the weather is colder and the days shorter; pretty soon everything will be decorated in twinkle lights and gingerbread men. The holidays are right … [Read more...]