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Get the latest news and info on Personal & Business Credit


9 Dirty Little Secrets Your Credit Card Company Hopes You Never Find Out!

John Rowley - Thursday, May 14, 2015
Caution: Those credit card offers just keep coming. Seems there’s hardly a day goes by that your mail box is not stuffed with some new bank offering some new credit card. But there’s a danger lurking for you also, one you may already be painfully aware of. Over use of credit cards is crippling the spending power of millions of Americans. The following is the truth about what really goes on behind the scenes at your credit card company. Dirty Little Secret #1: De ..

How To Prepare Your Yard for Spring

John Rowley - Monday, March 02, 2015
How To Prepare Your Yard for Spring If you live in a mild climate, your lawn may simply need afew touch ups come spring. But colder climates make the job much more extensive in order for your yard to come back to life, particularly if it spent months covered by a blanket of snow. If your lawn falls into this category, pay close attention to the following information and employ these techniques for a healthy, hearty springtime lawn. Read more ( ..

5 Ways to Manage Your Debt Ratio

John Rowley - Monday, February 09, 2015
Debt ratio is the difference between the amount of debt you have charged versus the amount of money the credit card has authorized for you to use, or your credit limit. The difference is your debt ratio. This can also be referred to as revolving (credit card) credit you have available. If your credit limit is 5,000 dollars and you have charged 2,500 on the card, your debt ratio is 50% Debt ratio accounts for 30% of your FICO score, which makes it the second highest factor the credi ..

Biggest Credit Myths, Mistakes, and Misconceptions

John Rowley - Monday, December 01, 2014
Biggest Credit Myths, Mistakes, and Misconceptions Good credit is well worth the effort it takes to both achieve and preserve it.You simply cannot afford to make the following credit mistakes: Don't fall behind on existing accounts. This includes your mortgage and car payments. One 30-day late can cost you anywhere from 30-80 points or more depending on the other factors being reported on your credit reports. Don't pay off old collections or charge-offs during the loan ..

What makes up a Credit Score

John Rowley - Monday, October 06, 2014
Ever wonder what happens when a potential lender requests your credit score? First, they send a request to a credit bureau, and they receive a report. This report will include: • Your name • Your Social Security number • Your address (and any previous addresses) • Your current and past loan information • Your public record information (court judgments, bankruptcies, liens) • A list of other companies who have reviewed your credit. • Your  ..

Building Credit in Your Business Name

John Rowley - Monday, October 06, 2014
Building Credit in Your Business Name There is a step by step process that helps to structure your business correctly and build a solid credit portfolio under your company name. Having a company do this for you allows you the freedom to operate your company, while they build your business credit! This can be done without using your personal credit or personal credit information. When you complete the program, companies GUARANTEE you will have an “A” credit rating bu ..