Thinking of getting a mortgage? Check your credit score.

June 19th, 2019

Thinking of purchasing a house or refinancing your home?    Your credit score plays a significant role when applying for a mortgage because it helps lenders determine how likely you are to repay your debts.  According to recent research, you will need a credit score of 580 or higher to secure a Federal Housing Administration loan to purchase a home.  However, […]

Are you a rideshare driver having problems with your background check?

June 11th, 2019

Rideshare companies like Uber and Lyft are notorious for partnering with third-party companies that can produce inaccurate or incomplete  background checks.  You’ve probably read scary news articles like the stories about the Somali war criminal who passed an Uber background check and the Chicago Lyft driver with a criminal history who was charged with raping […]

I’m an authorized user on a credit card – Will this affect my credit?

June 4th, 2019

Becoming an authorized user to a credit card account can be a good way to begin to establish a credit history without being liable for any charges or balances.  However, you also take on some risk as an authorized user.  Your credit report will show both the good and the bad credit habits of the […]

Does your credit report show you as deceased?

May 28th, 2019

Did you know that as many as 1,000 people are mistakenly included on the Social Security Administration’s Death Master File each month?  Because of errors like this, credit reporting agencies can easily mark a living person as deceased. Most often, this happens if a creditor reports an account or accounts as being associated with a […]