We’ve all seen the ads: “Qualify today and get 12 months with no payments and no interest!” or  “Your purchase free for one year!”  Some people have benefited from this type of financing and saved money be paying the account off before the interest charges kicked in.
However, there are some things that consumers should be aware of, [...]

We all know that the financial and credit landscape has changed dramatically over the past few years.  This is true in the auto industry as well as for people who have filed personal bankruptcy.  With our consulting services, we work with people from all walks of life who have experienced many different situations with their [...]

There are five parts to the FICO score.  The second largest part, accounting for 30% of it, is the Amounts Owed, also called the Utilization Ratio.  This is the difference between the loan amount or credit limit on an account compared to the balance that is currently owed on it.    An important part of growing better credit [...]

As banks and credit card companies continue to reduce credit lines and close credit card accounts, consumers are looking for alternatives.  One such tool can be a Secured Credit Card.
A secured credit card requires you to open and maintain a savings account as security for your line of credit. The amount required for a secured [...]

When you shop online, you usually have to give credit card information to complete the purchase.  Most companies do a great job with securing their websites and their check-out pages because they know if they don’t, people are less likely to come back and shop with them. 
TIP: Look at the URL, the address line, on [...]

Right now many people are looking at purchasing a home, especially with the extension and expansion of the home buyer’s tax credit.    Sometimes they are unable to qualify for the home loan because of credit scores that are too low.  Christy Miller, a mortgage advisor with American Home Mortgage, said that a minimum score of [...]