Getting out of debt may seem impossible at times. It may be tough, but it’s not impossible if you know what you owe and what you can do to repay it. There is a saying “when the student is ready, the teacher will appear.” If you want to get serious about working on your debt, Read More
Maintaining a tremendous credit score is important if you would like to use it for loans or credit cards. If you take the Dave Ramsey approach and only use cash for everything then this may not apply. Realistically, most folks use credit. According to Ray Dalio, the short term and long term credit cycles are Read More
Credit unions operate much like banks, but they are non-profit organizations with specific membership requirements. The members of the credit union are the collective owners of the union, offering some distinct advantages over normal banks for mortgage origination. Credit unions often offer lower rates, easier approval, and greater loan customization. Here are four main advantages Read More
Fake Debt Collectors Are A Real Problem Consumers across the country report that they’re getting telephone calls from people trying to collect on loans the consumers never received or on loans they did receive but for amounts they do not owe. Others are receiving calls from people seeking to recover on loans consumers received but Read More
A recent client asked “A couple of days ago, I received 2 decline letters from Ally Financial stating that they denied me (for the car loan) based on TU score of 668, and SageStream score of 483. My question is who the heck is SageStream? And why is their score so much lower than TU? Read More