The Fed just announced recently that they were raising interest rates.  We hear a lot of talk about that interest rate change, especially over the last few years and we have seen interest rates creep back up. I thought that I would provide an explanation of what that means, beyond the basic understanding that money […]

One of the common themes you will read about or hear me say, whether you have found us through our website, or a blog that has been published, our radio show or the podcast is the importance of credit.  Credit is our adult report cards.  I say this over and over, and I have for […]

We are hearing a lot of talk and seeing a lot of articles regarding the new Federal Housing Finance Agency (FHFA)  mortgage structure that went into effect this month. As you are probably hearing, the reviews on this program are wide and varied as it rewards consumers with lower credit scores.   The Biden administration […]

As I wrote the blog about what is included in your credit report I began thinking that it would make some sense to put something together for you that addresses what is not included in your reports.   It would be easy for one to assume that anything which was not on my list was […]

This is an area where I constantly receive questions from consumers. I thought it might be helpful to provide some detail about what is included—I will do a separate blog that will discuss what is not included in your reports as well. Here is a list of the types of information typically included on consumer […]

Maintaining good credit is essential. However, your credit scores can vary across different credit bureaus, leaving you wondering why. Let’s explore five reasons why your credit scores may differ across the three main bureaus as well as other models.  (you could have 3 phones 1 with Experian, 1 with Equifax and 1 with Transunion–OR the […]