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Your credit report is not always high if you are good at paying all your bills on time. Many people don’t know how many other factors affect the score. One of the most major score determiners is how many credit cards you have open that are inactive. Lenders view that as a risk. Inactive […]

So many people have fallen for the credit score scam at car dealerships! Don’t become one of the millions. Make sure you know your score before going in to buy a car! If you don’t you might get surprised with a piece of paper with small number circled in red on it. The dealer […]

You should know a few things about discount points and origination fees before applying for a loan. It varies at different lenders but commonly each “point” equals 1% of the loan amount. That means 2 points on a $100,000 loan cost $2,000! The more points you have, the lower the interest rate because they […]