Credit card debt can be an overwhelming financial challenge, especially when you’re managing multiple balances with high interest rates. Making only the minimum payments often…
5 Steps to Fix Your BAD Credit Score (ASAP)
Your credit score is a powerful tool to help you get ahead financially. However, at the same time, it can work against you. Here’s how to fix yours as fast as possible.
Bye, Bye, FICO: Mortgage Credit Scores are Changing
For nearly twenty years mortgage lenders have relied on classic FICO scores to determine the eligibility of consumers applying for home loans. Now, an announcement made by the Federal Housing Finance Agency (FHFA) has warned us that things are about to change — and it may make it easier for thousands of people to buy a house.
Credit Karma to Pay $3 Million to the FTC
The popular consumer finance website was found to have used deceptive practices that tricked consumers into applying for “pre-approved” credit offers. However — despite “pre-approval” — many applicants were rejected anyway.
I Bought A House At 24 Years Old
You should also know that I wasn’t born rich, and that my parents lived paycheck to paycheck. In fact, they still do — which means I didn’t have any help or support from them when I bought my first home.
My friends and coworkers thought I was crazy too — that it wasn’t possible to buy a house while working retail — but I showed them that it was, and here’s how I did it—
It’s Getting Really Hard to Buy a House
You see, one of the most important deciding factors in determining how much your monthly mortgage payment will cost and ultimately how much house you can afford is about to change, and not necessarily for the better.
FICO Score: 669 to 705 in 5 Months
This is a formerly unpublished story from our archives dated 5/24/2020. Unlike me, my husband has never had good credit. When we first started dating…
Mortgage FICO Scores: Increase Them in 5 Steps
The article below is a transcript of a video originally posted to my YouTube channel on March 30th, 2022. Hey guys, it’s Ray here. I…
What are Mortgage Credit Scores?
The article below is a transcript of a video originally posted to my YouTube channel on April 5th, 2021. Hey, it’s Ray! I wanted to…