Car Repossession: There's Only Bad and Ugly
If you can't make your car payments on time, you may be at risk of getting your car being taken away, or "repossessed". It won’t be a fun ride, gu…
How to Spend Too Much on a Loan!
Are bad credit and loans a good combo? If you fall for marketing gimmicks around bad credit and loans, you’ll be throwing away a ton of your hard…
Got Bad Credit? Scammers Are After You!
If you fear you have bad or hurt credit, chances are, you're being preyed on, too! Scammers will try to get you to believe they can make your credit…
Lynn's Robbery-Followed-by-Identity-Theft Scam
It was about 15 years ago. I left my purse in my car, hidden by the sun shade and with the doors locked. I was at my mom's and was only going to be in…
Can Your Credit Card Limit Be Lowered?
Credit card issuers periodically review accounts to determine if a customer's credit worthiness has changed. That review can result in a decrease or i…
Beware of Offers to Improve Your Credit Score
We've all seen ads from companies that want to help you improve your credit score or to repair your credit. And there are scammers who use this type o…
What You Need to Know About the Equifax Data Breach Settlement
Almost two years ago, in September of 2017, Equifax announced a data breach that exposed the personal information of 147 million people. Now a recent …
What Is the UltraFICO Credit Score and What Will It Mean to You?
Credit scores are used by lenders to determine if they will give you a loan (auto, mortgage, credit card). Businesses such as insurance and phone comp…
Help Protect Your Identity With a Free Credit Report Freeze
Consumers no longer have to pay to use an important tool to help protect their identity. As of September 21, 2018, freezing your credit report at the …
VantageScore Announces Upcoming Changes. What You Need to Know.
Haven't heard of VantageScore? It is a credit scoring model that was created in 2006 by the big three credit bureaus, Experian, Equifax, and TransUnio…
Millennials: All About (Your) Credit
I'm betting that you know what credit is: an arrangement for you to pay for something at a later date. "Okay, gimme the car today, and I'll pay you la…
Credit Report Errors Can Ding Your Wallet and Life! What to Do
Errors in the information on your credit reports can hurt your financial and personal life. Errors can lower your credit score, resulting in paying hi…
Is Your Subprime Card Hurting You?
Most people who have experienced bad credit can agree that the following information often indicates that there is light at the end of the tunnel.
Beware of Two Popular Ways to Finance a Home with Poor Credit
Owning a home is the American Dream. In fact, most renters in a recent survey indicated that they'd like to buy a home. But the combination of tighten…
Buying a Car When You Have Bad Credit
You need a new vehicle, but your credit is spotty or bad. Can you afford to buy a reliable car or truck? Can you get a loan at reasonable rates? Can y…
Do You Know What Makes Up Your Credit Score?
Your credit score has a major impact on many facets of your life. For instance, it shows how "trustworthy" you are to borrowers. Watch this video t…
Being Young; Being Bankrupt!
Are you ever in trouble with money? Ever have the feeling you can't get out of it? Well, you're not alone. Young people born between 1980 and 2000 (Mi…
Checked Your Credit Report Recently? Four Reasons to Do It Now
The information in your credit report affects many aspects of your financial well-being. It informs your credit score, which affects your ability to b…
What's Your "Credit Score" and How Can It Affect Your Credit?
What is your credit score? And why is it important? In this report, I give you some basic facts about credit scoring that highlight its importance to …
Tips for Improving Your Credit Score
Whether your credit is already good or could use some improvement, managing your personal finances in ways that enhance your creditworthiness is alway…