The weather’s getting warmer, school’s almost finished for the season, the pool’s open, and the BBQ’s all fired up. And that can only mean one thing — summer is just about here. Sure, you’re going to relax and take it easy this summer, but don’t be
Credit Tips
How Is My Credit Score Calculated? Part II
In our last blog, we looked at two of the many factors that go into calculating your FICO score: namely, your payment history and how much you owe your lenders. But that’s only a small part of the story. And if you live in Montgomery County and are
How Is My Credit Score Calculated? Part I
By now, you probably know how essential it is to have a good credit score. While it might just be a simple three-digit number ranging from 300 to 850, in many cases it can define how people, businesses, and institutions view you. That's right —
Did You Rack Up a Huge Credit Card Debt Last Year? You’re Not Alone!
The new year has arrived, and even though many of us have received tax refunds already, it appears that Americans are diving deeper and deeper into debt. In fact, according to the Federal Reserve, outstanding consumer debt has exceeded $4 trillion
Did the Government Shutdown Affect Your Credit?
Earlier this year, history was made. The United States government shutdown, which began on December 22nd, 2018, lasted a full 35 days, finally ending on January 25th, 2019. This shutdown was the longest one in our country’s history, and it affected
Breaking the Cycle of Debt, Part III: Why Tax Season Is an Ideal Time to Repair Your Credit
It’s a sad fact that even though repairing your credit is one of the most critical things you can do to ensure your financial future, it seems to continually fall to the bottom of most people's to-do lists. Whether they tell themselves it’s not the
5 Tips to Help Fight Impulsive Credit Card Spending
Americans love their credit cards—according to an annual report from Experian, the average American has over $6,300 worth of debt on their credit cards. This number is a whopping 3% higher than last year’s figure, and requests for debt counseling
5 Places Where Parents Spend the Most on Education
Everyone knows that heading back to school requires pencils, notepads, and notebooks. However, schooling comes at a price that is often much higher than many parents expect. Five places where parents are most likely to spend the most on their
Five Ways Quality Credit Repair Can Improve Your Credit Score
Does your credit need a check-up? If you haven’t been monitoring your credit report this year, you may have trouble getting the loans you need to go back to school in the fall or pick up that new car you need for your family. Luckily, Quality Credit
3 Things Every American Should Know about the Fair Credit Reporting Act
If you are like most people, you probably don’t spend a lot of time thinking about your credit score until you need to secure financing or you’re interested in taking out a loan. After all, in the hustle and bustle of everyday life, who has time to