The “Little” Things in Credit Reporting

We all start a new year with new goals, new dreams, and new hopes. For some people, those goals involve getting their credit in order so they might buy a new home, possibly their first home. Most people understand the basics of obtaining and keeping a good credit score – Paying bills on time, not … 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 it or not, being completely debt free can actually hurt your credit scores. While it may feel wonderful … 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 bureau is coming back with a deceased status. So he calmly smiles, looks at the client thinking to himself – but … 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 around the corner and whether you like to get your holiday shopping done early or are someone who is at the … Read more