Here’s a tale about two 40-year old guys who are best friends. We’ll call them Bill and Skip. From the time they were teenagers both Bill and Skip dreamed of becoming successful corporate sales executives and enjoying the finer things ...
FICTION: If I check my credit report often, all those “inquiries” will lower my credit score.
If your FICO credit score falls between 760 and 850 points, you rate among the top tier of all consumers and have the cornerstone for what I call Perfect Credit. Getting a great FICO score, however, is just part of ...
Debt is a massive problem in America. We’re up to our eyeballs in debt of all types: mortgage loans, credit cards, student loans, automobile loans. Moreover, the average mortgage balance in the U.S. is about $200,000; the typical family carries ...
Perfect Credit If you have negative marks in your credit history, you already know what a pain it is living with bad credit: you get turned down for credit cards and loans, you pay sky-high interest rates when you do ...
If we’re honest with ourselves, many of us will admit that so much of what we spend money on – and why we spend money – is tied to our emotional state. Sometimes we spend money completely on a whim ...
From a credit standpoint, the type of debt you’re carrying matters tremendously when it comes to your credit score and your overall credit rating. What precisely counts as “bad” debt? Nearly 100% of the time, it’s credit card debt. Yes, ...
Any “Public Records” listing in your Equifax, Experian or TransUnion credit report will seriously lower your credit scores. Although the “Account Summary” section of your credit reports may contain negative information such as late payments or collections, more serious delinquencies ...