What You Really Need When Buying Your First Home

I was online yesterday and came across an interesting post. Now, It may have been a shame post, but there was some truth to it. The post talked about what people need to buy a house and its simplicity vs how much people pay in rent. Now I am all for people living where they want and where their budget will allow, but I think there are some misconceptions about the home buying process. If you want to know more about buying your first home without the clutter, keep reading. https://www.youtube.com/watch?v=IzXqDVlCsCo Credit Read more [...]

What Can Restart the Clock on an Old Debt?

We live in a world where almost everyone has some sort of debt. Some debt is from going to school or purchasing a home. Other debits include missed payments on credit cards or medical bills. While many people pay on time, sometimes not everyone can. This is especially true for someone who is or was going through a rough financial patch. As these debts age, we have the choice to pay them and bring them current or wait for them to fall off our credit. For those who chose to let it fall, you need to Read more [...]

Here’s How to Get Your Credit Score Up to 786

As of late 2018, the average FICO credit score in the US was 704, a significant improvement over the 686 average score from October 2009. While a 704 is solidly in the “good” range, most people would rather have an “excellent” credit score. If you can get a 786 credit score, you have a decent amount of power as a consumer. Getting rejected for a new loan or credit card isn’t likely.  Your interest rates are also usually very competitive. If you are wondering how you can get your credit Read more [...]