What’s The Deal With Credit Inquires

As a certified FICO Pro, I get this question on a daily basis. There is so much confusion surrounding the topic of inquiries. It is very important that consumers understand how this process really affects your credit score. What is an “inquiry”? When you apply for credit, you authorize those lenders to ask or “inquire” […]

Read More

It’s time to pay those holiday credit card purchases: Here’s how to manage

This is the kind of hangover that can really cause some damage. It’s a little over a month since Christmas Day, and New Jersey residents are facing the bill for all the holiday gifts and entertainment they may have purchased with the simple swipe of a credit card. Known in the industry as the holiday […]

Read More

Credit Tips From Paul Oster “The Nation’s Credit Repair Man”

Credit Tips To Help You Avoid Dangerous Mistakes Credit cards help you easily and conveniently buy things you want (not necessarily need) and even help bail you out of a jam. Unfortunately all this comes at a price; moreover, uncontrolled spending and credit card use leads to various financial mistakes which come with long-term effects. […]

Read More

The Walking Debt – A Guide to Eliminating your Debt

If you’re like me, then every Sunday night you’re glued to the TV watching AMC’s The Walking Dead, hoping your favorite character isn’t the next to be killed off. The show focuses around a group of survivors constantly stressing over how they are going to overcome a growing zombie threat known as walkers. The stress […]

Read More

Build Credit With Holiday Spending

It’s never too early to start planning your holiday spending budget. In 2014 average shoppers around the country were on pace to spend a whopping $861 on holiday gifts alone. With an expense that large, shouldn’t you get something back in return? (aside from the joyous feeling of gift giving of course!) Truth of the […]

Read More

What is a Charge-Off?

Although the term “charge-off” sounds good, in reality, charge offs are devastating to your credit report and score. Having an account report in charge off status can bring your score down hundreds of points and may even put that account into collections. What is a Charge-Off? An account can get changed into charge off status […]

Read More

3 Simple Steps for Creating a Budget

What’s your favorite day of the month? Most people will agree, it’s payday. For some consumers though, paycheck to paycheck is a way of life (albeit not a very financially smart way of life.) “Where did all my money go??” If you ask yourself this question on a consistent basis, then it’s time to create […]

Read More

Things People with Good Credit Have in Common

Good credit is not a commodity to be bought or sold; it’s something which has to be cultivated with time. All it takes is the right strategies and financial moves to acquire a good credit rating and its associated perks. Your credit score falls anywhere between 300 and 850. The higher your score, the lower […]

Read More

How to Build Your Credit From Scratch

From Zero To Hero Consumers who have no credit often have a hard time getting approved for loans. If you are one of these individuals then you probably already know this. Normally you’ll need a credit card or loan in order to establish credit, yet you need established credit in order to get approved for […]

Read More

The Right Steps to Applying for Student Loans

Summer is coming to a close and for college students, that means it’s time to head back to school (or start school for you freshmen out there.) Everyone knows college is expensive, and the price only seems to be increasing every year. In fact, the average 2015 graduate with student-loan debt will have to pay […]

Read More