Finance and Credit Professional

With the deluge of information available and extraordinary offers from companies to fix or repair your bad credit, it is difficult to believe that 80% of cases can be resolved in short-order by only focusing on a few areas of a credit report. Based on my experience as a mortgage professional and credit analyst, [...]

You hear a lot on the news and in advertisements about your credit score and how to get credit reports for free. Of course, nobody gives something away for free. There is always some way that they are looking to make money off of you.You don't have to answer one of these ads to get [...]

So many people are worried about identity theft and the status of their credit report these days. But with so many companies claiming to offer you a free report, it is no wonder consumers are confused and overwhelmed about how to get the information they need. The truth is many companies are not entirely interested [...]

Did you lose your job? Have you suffered some form of medical emergency? Are you being forced to endure any other cause of financial burden due to your loss of income? You are not alone. Millions of people have to face the accumulation of debt that they cannot pay. Miss a single or a few [...]

Credit Scores are so important because they are used for everything today. They determine the interest rate on loans; auto, personal and mortgages. They determine the premium you will pay for auto insurance etc.How do you build an excellent credit score? There are three important factors that build you score.1. History - your payment history is [...]

Today having good credit reflected in your credit report is important in every financial situation you find yourself in as you probably know and knowing a few tips about credit repair can solve a lot of your credit problems. In our world credit determines just how much interest you'll end up paying on your [...]

We live in a credit-driven economy, where bad credit can cause life to be miserable. After all, you can hardly get a good apartment - you let alone a mortgage, without good credit. This article offers simple steps towards quick credit repair and some common mistakes to avoid.Just how quick is "quick"? Well, no two [...]

You are shocked when your loan is denied, or maybe you were approved, but the interest rate is much higher than you anticipated. How can that be you say? My credit score is good, I know I checked. Maybe it's not as good as you think. It all depends on there you got it and [...]

What is the one thing that can keep you from buying your dream home? No, it isn't your mother-in-law's guilt trip - well, it might be - but what I'm really referring to is your credit rating. Here in San Diego, credit often makes or breaks a home loan. Here are a few financial tips [...]

Most people have heard of the FICO score, but don't really understand what it is. This is the mysterious score that creditors and lenders talk about in regards to credit approval. What exactly is this score and how is it determined?The FICO score is named after the Fair Isaac Corporation, which is the [...]