What comes to your mind when you hear the phrase “Credit Mix”. Most consumers imagine the credit pie chart that reveals the impact percentage of their payment history, credit length and utilization rates. Within the pie chart, there are two factors that make up 20% of your grade (new lines of credit and your […]
Author Archives: joep
02
Nov
Nov
A common misconception that comes with the thought of hard inquiries is that anytime you have your credit pulled, you will receive a small ding you your credit. While there are several ways to pull your credit report, a hard inquiry only occurs when you inquire for a loan or financing with a lender. This […]
02
Nov
Nov
Identity theft has been described in many ways over the years through different definitions, but Identity theft refers to when someone steals your personal identifying information for their own personal use. Thieves will use your information to do anything from draining accounts, opening trade lines, creating fake accounts and generally running amok under your […]
28
Oct
Oct
Welcome back everyone to part 3 of our mini blog series “The In’s and Out’s of Refinancing”. In part 2 We went over the different types of refinance mortgage loans and part 1 was all about the basics of refinancing. In today’s blog, we will finish up this series with how much it costs to […]
25
Oct
Oct
Happy Tuesday everyone and welcome back to the In’s and Outs of Refinancing. In our last blog we went over what refinancing is, why you should consider refinancing and a few reasons that homeowners benefit from refinancing. If you need a refresher you can check out part 1 here. In todays blog, we will go […]
20
Oct
Oct
The In’s and Out’s of Refinancing In today’s blog, we will go over what it means to refinance, how to do it and when you should think about refinancing. Many homeowners refinance for a variety of reasons from combating ever changing rates to saving money on interest rates. What is refinancing? Refinancing happens when you […]
18
Oct
Oct
With the 2022 semester coming to a close and new graduates venturing out on their new journey, Student loans are an ever-present shadow looming over their credit report. In todays blog, we will go over the in’s and out’s of student loans and how they can affect your report in both positive and negative ways. […]
11
Oct
Oct
Are You Hurting Your Credit? In the world of credit, the option that seems the most logical sometimes is not the best option. When you think about taking out a loan, the first thing that comes to mind is “how quickly can I pay this back?” If that is your mindset, then you are going […]
06
Oct
Oct
A common misconception that comes with the thought of hard inquiries is that anytime you have your credit pulled, you will receive a small ding you your credit. While there are several ways to pull your credit report, a hard inquiry only occurs when you inquire for a loan or financing with a lender. This […]
04
Oct
Oct
What comes to your mind when you hear the phrase “Credit Mix”. Most consumers imagine the credit pie chart that reveals the impact percentage of their payment history, credit length and utilization rates. Within the pie chart, there are two factors that make up 20% of your grade (new lines of credit and your […]