Tracey

May 13, 2020

Listen to Gabe

June 28, 2017

Getting Through Credit and Divorce

Mary and Bill recently divorced. Their divorce decree stated that Bill would pay the balance on their three joint credit card accounts. Months later, after Bill […]
June 28, 2017

Commonly Asked Questions Concerning Credit Reports and Credit Reporting Agencies

Q. Do I have a right to know what is in my report? A. Yes, If you ask for it. The CRA must tell you everything […]
June 28, 2017

Glossary of Credit and Financial Terms

Applicant – The person who applies to a creditor for credit. Bankruptcy – The legal process under which the debtor is given a new start and […]
June 28, 2017

The Fair Credit Reporting Act

Note: this article paraphrases the nature of this law. For the complete law itself, go to the Federal Trade Commission website. The Fair Credit Reporting Act […]
June 28, 2017

Fair Debt Collection Practices Act

Note: this article paraphrases the nature of this law. For the complete law itself, go to the Federal Trade Commission website. Note: You are responsible for […]
June 28, 2017

The Fair Credit Billing Act (Credit Billing Statements)

Note: this article paraphrases the nature of this law. For the complete law itself, go to the Federal Trade Commission website. It is important to check […]
June 28, 2017

What is a Consumer Credit Report

A consumer credit report is a record of how you have paid your credit card debt and other loans. A credit report shows how much debt […]
June 28, 2017

Credit and Using An Expert

I have been in the credit/finance business for 15 years. The interesting thing I come across on an on going basis is the emotions and feelings […]
June 28, 2017

Good Credit During The Holidays

Planning is a sure way you will have a stress free holiday season! Planning is everything when it comes to having a calm and healthy holiday […]
June 28, 2017

FICO Scores

What makes up your FICO score? Scores Range From 300 To 900 Scoring Is Based On Deductive Methodology Percentage Weights:
June 28, 2017

How Do Credit Bureaus Work?

It’s a relatively simple process. When you apply for credit, your creditor will ask a local credit bureau for your credit report. To handle this request, […]