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 [...]
We specialize in credit report correction and consumer credit education as the way for our clients to develop higher credit scores. To have a good starting point, we recommend that everyone check their own credit reports at least three times per year. This is easily accomplished using the no-cost credit reports everyone is entitled [...]
A few years after it was first announced, FICO 08 is finally being used. This updated version of the FICO score became available from TransUnion (TU), one of the three major credit bureaus. The full name used by TU is FICO Risk Score Classic 08 and it has some major changes from previous FICO score [...]
It happens every year. We hear from people in February or March who just found out they have a late payment on their credit report. Followed by, “We were out of town and didn’t get the mail in time” or “I just missed it in all the other mail that piled up while we [...]
REDUCE YOUR RISK
Advance planning now can mean time and frustration saved later in the event it happens to you.
Copy both sides of everything in your wallet:
Driver License
Insurance Cards
Credit, Gasoline and Retail Store Cards
Voter Registration
Membership and Club Cards
Library and Community Cards
Checking Account Debit Cards
Keep this important paper in a safe, locked place at home. In the [...]
In today’s society credit cards are a way of life. Unfortunately for many people, their credit card debt is consuming and controls their life. However, with accurate information and self-determination, credit cards can become very effective tools to build a positive credit rating as part of a successful financial fitness plan.
1) CHANGE YOUR MIND
-Decide that [...]