The Ultimate Credit Report Cheat Sheet

Credit 101

The Ultimate Credit Report Cheat Sheet

The Ultimate Credit Report Cheat Sheet

You know you’re supposed to check your credit reports regularly, but you might not know what to look for once you have the report in front of you. Credit reports are lengthy, detailed documents that aren’t always easy to understand. But if you want to stay on top of your credit, you need to know… Read More

8 Rules of an Effective Credit Report Dispute Letter

Credit 101

8 Rules of an Effective Credit Report Dispute Letter

8 Rules of an Effective Credit Report Dispute Letter

Discovering and resolving mistakes on credit reports can be complicated. We often hear from users of our Credit Report Card who’ve noticed a sudden drop in their credit score accompanied by an unexplained delinquency. That leads to more digging and finding an error on one or more of their three bureau credit reports. That’s where… Read More

What’s Really in Your Credit Report?

Credit 101

What’s Really in Your Credit Report?

What’s Really in Your Credit Report?

You probably have it in your head that your credit report is “good” or “bad.” But with credit reports, beauty is in the eye of the beholder. The credit report itself is just a compilation of facts about your financial habits and it is, in fact, judgment-free. It’s up to lenders, insurance companies or others… Read More

What’s a Credit Score? Really.

Credit 101

What’s a Credit Score? Really.

What’s a Credit Score? Really.

“Do you know your credit score?” It’s a question you probably hear from time to time, and if you don’t know the answer, it can feel unsettling. It feels like people are talking about you, you don’t know what they are saying, but you know it could be bad. It’s like the worst part of… Read More

Dreaming of a better financial future for our children

Students

Dreaming of a better financial future for our children

Dreaming of a better financial future for our children

Teaching kids about money is no easy task, as any parents will tell you. Our children have their own personalities. We have our own financial hangups we pass on to them whether we realize it or not. (Phil Laut describes it as relying on the thinking gained from 20,000 meals with financial advisers who gave us mixed messages about money, such as money doesn’t grow on trees, you must work hard for your money, don’t take money from strangers.)

Three things you must tell your college freshman!

Students

Three things you must tell your college freshman!

Three things you must tell your college freshman!

If you decide to give your college student a credit card (and I recommend that you wait) be sure to pound it into their head that it is for emergency use only. Normal adults can use credit cards for non-emergencies…but this is because they have something called an “income.” College students have plenty of pressure to spend, but, with no income, they should stay as far away from credit cards as possible. The plan is to graduate with a degree, not crippling credit card debt. The best way to safely give them access to emergency credit is to set them up as an authorized user on one of your cards. This way, you’ll receive the bill for the amount they’ve spent and can dole out punnishments accordingly.

Back-to-school: What credit & financial lessons are you going to learn this year?

Students

Back-to-school: What credit & financial lessons are you going to learn this year?

Back-to-school: What credit & financial lessons are you going to learn this year?

# Credit 101 – An introduction to the credit system.
# Auto Language Immersion – Learn how to converse fluently with car dealers and lenders.
# Identity Security – The basics of protecting your identity from scammers.
# DIY Debt Reduction – Take control of your debt balances.
# Emergency Preparation – Are your finances prepared for a crisis.

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