by Rick Rose | Jun 5, 2025 | Credit Education
Understanding Your Credit Report What is a Credit Report? Alright, let’s kick things off by talking about what a credit report actually is. Think of it as your financial report card. It includes your credit history, how much debt you have, your payment history, and...
by Rick Rose | May 14, 2025 | Credit Education
Ignoring Your Credit Reports Not Checking for Errors One of the biggest mistakes I see people make is ignoring their credit reports. It sounds simple, but you’d be amazed at how many folks don’t bother to check for errors. Mistakes happen, and they can ding your...
by Rick Rose | Apr 25, 2025 | Credit Education
Increased Credit Utilization Understanding Credit Utilization Okay, let’s talk credit utilization. This term simply means how much credit you’re using versus how much you have available. The rule of thumb is to keep that utilization under 30%. When mine shot above...
by Rick Rose | Apr 12, 2025 | Credit Education
Understand Your Credit Score What is a Credit Score? First things first, let’s break down what a credit score actually is. It’s like a report card for adults but instead of grades, it rates your financial behavior. Lenders use it to gauge how reliable you are...
by Rick Rose | Apr 11, 2025 | Credit Education
Ignoring Your Credit Report Why You Should Check Your Report Regularly One of the first things I learned about maintaining good credit was the importance of keeping an eye on my credit report. It’s like a report card for your financial behavior—it can highlight both...
