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Chris's Articles

  • My (Real) Free Credit Report
    The FACT Act requires each credit bureau to provide you with a free copy of your credit report once ever 12 months. They do this by partnering on a site called Annual Credit Report.com. This is where your real free credit report is. However, there are a few issues you should be aware of...
  • Home Buying Tips
    For first-time home buyers the process can seem daunting. There's so many options, how do you know where to start when looking for your first home? By doing a little research into what you want and what you need, you can reduce the stress and help youself target your dream house much better. Here's a few tips on how to buy your first home...
  • Identify-Theft Tips
    If you every have your identity stolen you'll probably feel violated and alone. The good news is there is plenty of help out there to guide you on getting your identity back, and fixing any problems that might be on your credit. It takes lots of time and lots of hard work, but you can do it! Following these identity-theft tips might help you!
  • Fix Your Credit Before You Get a Mortgage
    If you are thinking about getting a mortgage for that dream house you've found, do some credit homework first. The time you spend making sure your credit is correct and has no errors might just help you qualify for a better mortgage (meaning lower rates). And that could help you save some money!
  • Debt Consolidation & Your Credit Score
    Are you thinking about trying to consolidate your high-interest credit card debt? I was, and it turns out doing some advance leg-work to improve my credit score helped me in the long run, and it might help you too...
  • 7 Tips on Improving Your Credit Score
    Recently when I started looking into buying my first piece of real estate property I wasn’t aware of the type of credit and financial fitness I had to be in. So like many first time homebuyers I wasn’t very educated in the home buying or home loan process. It wasn’t until I placed a call to a colleague of mine who understood the real estate business that I got some help. Here's the seven tips on improving credit that my colleague shared with me.
  • My Job Depended on my Credit!
    Recently I was hired by a large accounting firm as a consultant for a 12-month long assignment. My company specializes in accounting, tax auditing and consulting. Apparently, when my company had pulled my credit report they found a few derogatory items on my credit profile. My poor credit was endangering my job position and I needed to take care of this issue. I was given an ultimatum, clean up my personal credit report immediately if I wanted to remain employed!
  • 8 Credit Score Myths
    I want to share some myths and facts I’ve learned while attending a personal finance seminar I recently attended in the New York City
  • 3 Myths About Debt Consolidation
    Debt consolidation agencies often promise an immediate increase in credit score, relief in a short time period, or zero interest rates, none of which are realistic. They often prey on the weak, because they know there are thousands of people in bad credit situations they’ve dug themselves in with credit debt. Here are some common myths and facts to consider about debt consolidation:

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