12 Tips for Improving Your Credit Score in the New Year

It’s a brand new year and it is time for you to take control of your credit score!  If you want to improve your credit score fast in the new year, then there are immediate steps you can take. Read on for simple ways to improve your credit score in the new year. Tips For …

9 Things You Should Never Buy With A Credit Card

Credit cards can make easier to negotiate life’s financial twists and turns. They give you the flexibility to make purchases without cash on hand and buy big-ticket items on a more manageable payment basis. As the saying goes, though, just because you can doesn’t mean you should. Using credit to cover these nine items can …

6 Tips To Avoid Credit Card Fraud

One of the major selling points of credit cards is that they are more secure than carrying cash, but in our high-tech society that benefit has lost some of its luster. Stock exchange giant NASDAQ cites a report from Barclays, a multinational banking and financial services company, stating that the United States makes up 24 …

Does Debt Settlement Hurt Your Credit?

Many consumers don’t even know debt settlement is an option for eliminating high credit card debt; and when they find out, it seems too good to be true.  Just to give you one example of a debt settlement success story from my debt relief law firm, our client owed Bank of America $11,134.27. After I explained her significant hardships, Bank …

How Do You Establish Credit?

You might have a general knowledge about how your credit score impacts your ability to qualify for a home or car loan, or be eligible for other types of debt. But you may not know exactly how to establish good credit, especially if you’re younger and don’t have as much experience with spending. Your credit …

How Is A Credit Score Calculated?

You know the importance of good credit for obtaining a mortgage, purchasing a car, applying for credit cards and getting other types of loans. What’s less clear to a lot of consumers is exactly how a credit score is calculated by the credit reporting agencies. Several different factors weigh into the rating that you’re given …

Credit Restoration 101, What You Need To Know

You’ve probably seen ads online, in print and on TV from companies offering services to help restore or repair your credit. These arrangements can impact your credit score and assist you with paying down some debt, so it’s important to understand the implications of credit restoration in San Diego. Here’s what you need to know …