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Dentists and Credit Inquiries: Neither have to be painful!

As a consumer credit professional, I get a wide range of questions regarding the impact our actions have on our credit scores. From closing accounts to Bankruptcies, consumers want to know how to keep their scores optimal. Of all topics, credit inquiries seem to top the list. It's almost like we consider having our credit [...]

By | 2017-05-11T20:27:53+00:00 December 27th, 2016|Credit Report, Personal Finance|1 Comment

SOCIAL MEDIA AND CREDIT RISK: BIG BROTHER IS WATCHING!

Traditional methods for evaluating credit risk are tried and true and have been proven over time. They usually involve reviewing an applicant’s income, collateral, and of course, credit history and credit score. With the explosion of social media, more data is becoming available to credit issuers and some lenders are already either incorporating this data [...]

By | 2017-05-11T20:27:56+00:00 October 20th, 2016|Personal Finance|0 Comments

HARP PROGRAM EXTENDED THROUGH SEPTEMBER 2017 – ARE YOU MORTGAGE READY?

Great News for Homeowners: The Federal Housing Finance Agency (FHFA) announced that Fannie Mae and Freddie Mac will implement a new refinance offering aimed at borrowers with high loan-to-value (LTV) ratios. The HARP program, or Home Affordable Refinance Program, which was set to expire in December of 2016 is being extended. Since the new high [...]

By | 2017-05-11T20:27:58+00:00 October 11th, 2016|Personal Finance|0 Comments

SECURED CREDIT CARDS – HOW THEY WORK – AND WHY YOU NEED ONE!

Building Better Credit with Secure Credit Cards Your credit profile is your resume to the financial community. Credit rebuilding tools are key to having good credit. Certain credit scores are required to qualify for a loan of any type including a mortgage, vehicle, or installment loan. Your score may either help or impair your ability [...]

By | 2017-05-11T20:27:59+00:00 October 3rd, 2016|Credit Report, Personal Finance|0 Comments

A lesson Not Learned About Financial Challenges

Yesterday I was packing for another credit conference, and I was watching the news discuss the end to the Government shutdown and increase in the debt ceiling. I find it ironic how human nature does not discriminate and how desperately this country needs a culture shift. Wait; make that a culture shock. No matter how [...]

By | 2017-05-11T20:28:11+00:00 October 18th, 2013|Personal Finance|0 Comments
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