What most people don’t really realize is the “cost” of having a mediocre or poor credit score.  They go on their merry way paying whatever the lenders say they must when they purchase, whether it be with credit cards, auto loans or home loans.  Consumers bemoan the high cost of things, not realizing that they

It's official!  The state of our credit has made national news!  60 Minutes did an expose on the state of the nations credit histories for our citizens.  What they found doesn't even begin to show the size of the iceberg under the surface. Everything we do today, unless we live in a cave, in one

Credit reports can be mysterious documents to read and understand.  In this section, we will dissect the document by sections so you can become more familiar with the terminology, structure and information it contains about you. Primary Data (your identity):         Primary data consists of your first, middle and last name, including any prefixes and suffixes…i.e.

The "Right" Credit Score Some people don’t have that “right score” so they are denied rights that they normally should have, like getting a loan approved or a new credit card. “Scores”  were first started by local department stores and financial institutions who would share their information about their applicants to see if potential new