Your Fix of the Mix We all know the importance of having a good credit score. With a high credit score, you can open to door to better interest rates, loans, benefits and more! Good credit can be the deciding factor in whether or not you get approved to rent a home or get a […]
Author Archives: John McCall
31
Oct
Oct
The Biggest U.S. Banks Find VantageScore 4.0 is a Quantitatively “Better” Credit Score for Mortgages SAN FRANCISCO, OCTOBER 29, 2024 – VantageScore, a leading national credit-scoring company, is the “better” credit score for mortgages according to leading U.S. banks. Recently, third-party research from those banks found that VantageScore 4.0 provides superior risk assessments than traditional credit score models […]
29
Oct
Oct
Building Up Your FICO Understanding and building credit in a positive way takes discipline and some education. Do you recall being taught in school, how to build your credit scores? Did your teachers let you know how big of a role credit would play in your life as you got older? Honestly, it is probably […]
24
Oct
Oct
Buying your first home is a daunting milestone in everyone’s life and can bring both joy and anxiety when beginning the process. One large source of anxiety comes from the ever looming need of an exceptional credit score to aquire acceptable rates. For those that meet this criteria as displayed by your credit monitoring service; […]
01
Oct
Oct
Most all of us have heard of Debt consolidation. But is Debt Consolidation right for you? What type of debt consolidation should one choose? Is Debt Consolidation effective? What are some of the pitfalls of debt consolidation? Guess what, sometimes “life” happens and we need to utilize our credit cards out of necessity. A perfect […]
26
Sep
Sep
Good, Better, Best and Bad The internet and cell phones have now made it easier than ever to check your credit score as often as you’d like. Millennials are starting to check their credit scores more frequently than any other generation. This could be due to the fact that credit has become vital in many […]
17
Sep
Sep
I remember sitting around a bonfire one cool autumn evening with a few close friends from high school. We had all gone our separate ways after graduation, some of us went to acquire our degrees immediately, others went off to the military and some went to trade schools to prepare themselves for an apprenticeship. As […]
04
Sep
Sep
How Could You Be Hurting Your Credit? The more you know about how credit works, the better your score will be. This is because, without a lot of background knowledge, your own logic and reasoning will oftentimes fail you. There are a lot of factors that go into creating your credit score, so trying to […]
29
Aug
Aug
In 2023 it was reported that over 30% of Americans have an account that has recently gone to collections and that the average debt per person is a little over $9,000. Normally, when you hear that an account has gone to collections, you expect phone calls from unknown numbers asking to settle a debt and […]
30
Jul
Jul
In 2023 it was reported that over 30% of Americans have an account that has recently gone to collections and that the average debt per person is a little over $9,000. Normally, when you hear that an account has gone to collections, you expect phone calls from unknown numbers asking to settle a debt and […]