by Rick Rose | Feb 28, 2025 | Credit Education
Dealing with Late Payments Understanding Late Payments Late payments can be a huge blow to your credit score, and trust me, I’ve been there. When you miss a payment, it’s more than just an inconvenience; it can set off a chain reaction that affects your financial...
by Rick Rose | Feb 28, 2025 | Credit Education
Understanding Your Credit Report What is a Credit Report? Alright, first things first! Let’s dive into what a credit report actually is. It’s basically a summary of your credit history, including your payment habits, how much debt you currently have, and your...
by Rick Rose | Feb 27, 2025 | Credit Education
Your Credit Score is a Living Thing Understanding the Basics of Credit Scores First things first, your credit score isn’t just some random number. It’s a reflection of your financial habits, and it can fluctuate based on various actions you take. When I first dived...
by Rick Rose | Feb 27, 2025 | Credit Education
1. Recognize and Report Identity Theft Understand the Signs So, first things first—recognizing that you’ve been a victim of identity theft can be a gut punch. It’s like a bad dream, but unfortunately, this dream is often a reality. Look for any unfamiliar charges on...
by Rick Rose | Feb 26, 2025 | Credit Education
1. Understanding Your Credit Score Post-Refinancing What is a Credit Score? First off, let’s dive into what a credit score really is. Think of it as your financial report card, showcasing your creditworthiness to lenders. It basically tells them how good you are at...
