Christmas Shopping Concepts to Keep You Merry!
Know what you’re shopping for – make certain to find Gifts for people already on your Christmas list – not people for the “cool gifts”
COMMON CENTS:
DON’T OVER“DUE” IT!
Whether you’re a college student, a businessman or woman, a soccer mom, yard guy or multi-millionaire, everyone likes to save money… but be careful! A
Credit and Debt Management Tips from the Pros
Should you use a credit card or a debit card? How many credit cards should you have? What happens if you lose a debit card
COMMON CENTS:
A HARD INQUIRY vs A SOFT INQUIRY (What’s the difference?)
A “Hard Inquiry” (or hard pull) is when a lender checks your credit report to determine if you meet their criteria to approve you for
COMMON CENTS:
Everyone has a Hobby: Scammers like to “PHISH”
Almost all of us have received unsolicited and, very often, unwanted phone calls at the most inconvenient times, especially the past 18 months during the
COMMON CENTS:
5 Ways Refinancing Your Home
(with GOOD CREDIT) Helps!
1. You can actually pay off your mortgage faster because having a lower rate means more money is applied to the principal. You pay less
How Does Your Life End Up on a Credit Report?
Credit reports are generated by credit bureaus, companies that research information on consumers. Credit bureaus do not operate as a public service information repository. They
How a Credit Report is Like a Car
Nobody believes that their car, truck or SUV is going to continue to run smoothly without some care and attention. You fill it with gas,
Let’s Talk About FICO Scores
A FICO Score is a numerical value assigned to a person that measures their creditworthiness. The score is calculated on a number of factors and
How to Maintain Your Credit Rating in Tough Times
During this challenging time, the health and safety of our family, friends, clients and staff is naturally a priority concern.
PLAY THE ODDS
On average, your FICO Score at will only increase 1-2 points a month, when nothing changes, meaning NO new negative info, missed payments OR additional debt is added.