Author Archives: John McCall

Lexington Law slapped with $3.1 Billion Judgement

There are many credit repair organizations in our country, and many of them have the best interest of their clients at their core. However, it is true there are some bad actors in this industry. The quality of work provided by many of these companies is in direct correlation to their knowledge and experience of […]

Breaking News: Chapter 11 Bankruptcy for major Credit Repair organizations.

There are many credit repair organizations in our country, and many of them have the best interest of their clients at their core. However, it is true there are some bad actors in this industry. The quality of work provided by many of these companies is in direct correlation to their knowledge and experience of […]

Understanding Your Credit Profile

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 […]

Are You Trying To Rent With Poor Credit?

Less Than Perfect Credit Scores and Living Situations. Many families deal with tough situations when it comes to rentals and the landlords that come with them. According to the Business Insider, more Americans are renting than at any time in the last 50 years.  I can recall a time when I rented a home that had […]

Cleaning Up Your Credit And Making The Most Of Your Month

Leaving Credit Card Debt Behind Credit Card debt is increasing for many American families. According to Experian, most family units with a bank card that consists of over $6,000 in debt. For many, this debt can be hard to manage! Do you keep asking yourself why your debts continue to pile up with little to […]

5 Common Mistakes People Make When It Comes to Their Credit

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 […]

3 Ways You Could Be Hurting Your Credit

There are so many things that come into play to obtain a healthy credit profile. The hardest part of navigating the credit world however, is knowing what advice is accurate and possibly stumbling a few times in an effort to get back on track. Many times consumers think they have a good grasp on it […]

Protect Yourself Against Identity Theft

The Federal Trade Commission has stated that reports of identity theft had skyrocketed to record highs in 2020 and continue to to rise in 2022! In 2019 the total amount of reported cases was around 650,00o while cases in 2022 had breached 1.1 million!  2023 is shaping up to have similar results and it is […]

Should I wait to purchase a Home?

Most everyone has watched the news on the housing market. Interest rates are up, the inventory is low, and the market is slowing. I have had conversations with many people who are wanting to purchase a home, put down roots, and start building equity in their future. But they don’t feel the current market is […]

What’s Expensive? Bad Credit!

The cost of bad credit can be very expensive. It can lead to higher interest rates on loans, higher insurance premiums, difficulty getting approved for housing, and difficulty getting approved for employment. The cost of bad credit can range from hundreds to thousands of dollars depending on the severity of the credit situation. The fastest […]