The Coming Pandemic?
No, not bird flu. Identity theft. As the world tries to ready itself for the inevitable spread of the H5N1 avian flu virus, it
Credit Tips #6, Keep Your Credit Cards Open
Tip #6: Keep your old cards active 15% of your credit score is based on the length of your credit history. If you have older cards, keep them! Even if they have a higher interest rate than your newer cards, it is best to put them in a drawer and use them every…
Carlos's Credit Savvy Tip #4: Don't pay off old collections
Carlos’s Credit Savvy Tip #4: Don’t pay off old collections Why would you ever not want to pay outstanding collections? Because, due to an error in the credit scoring software, when you do and your credit score is recalculated your paid collection becomes the most recent item on your report. If your collection…
Credit Agencies Thinks Your Back In School!
What do you know the Fat Cat Credit Agencies Thinks Your back in School! The three major credit reporting agencies has decided to come up with a more "uniform" way to grade us! Johnny did you get in "A" in math, little suzie is that a "D" in PE. You need to study more!! Now…
Credit Savvy Tip #3
How To Improve Your Credit Score! Have you ever looked at your credit report and seen balances that are inaccurate? This is because your credit cards may not be reporting your balance at a time of the month that is most advantageous to you. For instance, let us say your MasterCard reports…
Identity Theft! Did Those Words Scare You?
You have heard about Identity non-stop on TV, radio, newspaper, friends, and family. Does it scare you? It should! As of December 2005, according to federal statistics, The Inland Empire ranks 2nd in the nation for Identity Theft. Over 5,400 new cases where reported that was an increase of over 25%. This does not even…
Carlos's Credit Savvy Tip #2: Pay your balances down
Pay your balances down! 30% of your credit score is made up by your debt ratio: the amount of debt you have as a percentage of what your credit limits are. If you are in the market for a large purchase, you should try to pay your balances down to as close to…
Super Bowl Sunday, King Kong, & Super Credit Tips!
It’s Super Bowl Sunday! Just finished the 1st Quarter, it’s been boring game so far, score is Steelers 0, Seattle 3. I am going for the underdogs, Seattle.! The FEDEX commercial has been the best so far! I wanted to let you know I will be sharing with you "Insider Credit Secrets" on how you…