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Understand Your Credit Card Minimum Payment!

The ‘minimum payment’ is probably the most misunderstood aspect of credit card debt today. Many of us stick to the minimum payment option on a monthly basis in the mis-belief that we are actually reducing our debt, unfortunately this is not the case at all. We need to keep in mind that credit card companies [...]

Do It Yourself Credit Repair

Mortgage applicants often ask me “what can I do to fix my bad credit? How can I get my bad credit back on track? How can I improve my credit scores quickly & free?” They are shocked at my answers because the HONEST truth often contradicts what creditors and collectors tell them. Creditors do not [...]

A Good Credit Score – Do You Have One?

There are many confusing and conflicting criteria for determining where you fall on the sliding scare of credit worthiness in our plastic society. And quite frankly, as I write this in late 2007, what you can get approved for today is VASTLY different than what you would have qualified for even 1 short year ago. [...]

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