If you are reading this, you probably have been told by someone that you can get a second social security number and use it for credit just like your original. Well, you can, but should you? There is nothing but conflicting evidence and opinion on the subject, and I’m anticipating writing more than one post… Continue reading CPN/SCN Sense
Did you know your credit score is (in most cases) viewed more than once in regards to mortgages? Typically the lender will view it once in the initial stages and then again towards the closing. Is it vital to keep your credit perfect during these two reviews of your file? YES! I cannot emphasize this… Continue reading Mortgages Made Easier Part 2
Join the club. The list is usually long, intimidating, and most likely lowering your score unnecessarily. The previous post discussed the main culprit (typically) of this score splicer-most of us know from experience the practices of car dealerships when financing your new or used auto. To take it a step further is very easily understood… Continue reading Got Inquiries?
If you are in the market for a new or used car, the saying “Buyer beware” is probably in the forefront of your mind. As a prior car salesperson, I can tell you to listen carefully to those two little words from the moment you walk onto the car lot until you hold your new… Continue reading The Evil That Is Auto Loans
You probably have been asked what your credit score or FICO score is before, and actually know what it is by now. If not, read on how to find out by clicking here. There is no other person who will be more motivated than you to ensure what is being monitored and reported on your… Continue reading FICO-A Look at What It Says and Why
We have discussed what credit is and other key terms used in credit in the last posts. Now for what everyone wants to know-what can be seen on your file, how it can help/hurt your score, and what can be done to improve all these factors. The good, the bad, and the ugly are all… Continue reading 4 Things You Can Do Right Now to Improve Your Credit
You have taken the first step towards reaching your credit and/or funding goals by educating yourself. Whatever your end goal is-a credit car, auto loan, or even a mortgage-a working knowledge of how credit affects you as well as how credit works are a must. The basics can go a long way in saving you… Continue reading Personal Credit 101-Basic Credit Knowledge
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