This author has yet to write their bio.Meanwhile lets just say that we are proud Charlie Scanlon contributed a whooping 7 entries.
So, you have been following our advice and taking a look at your credit report once a month? Good job, you’re to be commended! You may have noticed that there are accounts on your reports that are negatively impacting your scores. How long can those negative items stay on your report and cause you angst? […]
Are you going through a dissolution of your marriage and thinking about refinancing the marital home into your name only? There is a lot to think about when making this decision. Can you afford the mortgage payment, real estate taxes and maintenance on just one salary? Did you know that there are special considerations given […]
If you’re planning to buy a new house in 2021, the most important thing that you can do to prepare for that process is to check your credit reports from all three national credit bureaus. (Transunion, Equifax and Experian) The simplest (and cheapest) way to obtain a recent copy of those reports from all […]
A study published in The Journal of Behavioral Science in 2008 took a look at the effect of an individual’s personality on their credit rating. Vanessa Gail Perry (2008) Giving Credit Where Credit is Due: The Psychology of Credit Ratings, Journal of Behavioral Finance, 9:1, 15-21, DOI: 10.1080/15427560801896784. The study found that one of the key factors in having a good credit […]
Our President was happy to share his expertise about the “credit history” component of credit scores for this article. Feel free to get in touch if you have any questions about credit scores or “mortgage ready credit.” (314) 429-2040. Best Company Magazine: “Will My Credit Score Be Negatively Impacted If I Apply For A Personal […]
It may have escaped your attention while you were working from home as a result of the corona virus pandemic, but FICO released its newest credit scoring models in recent months. FICO (Fair Isaac Corporation) is the producer of the most commonly used credit scoring algorithms. Some version of a FICO score is used in […]
Is there a credit card in your wallet that you haven’t used in years? Have you wondered about whether you should “just cancel it” and make more room for your other cards? Will getting rid of the card impact your credit scores? Probably so. Closing an old credit card account can impact your credit scores […]