The Affect Of Late Payments On Your Credit Score

Posted by : Frank Mignosi

You try hard day in and day out to attain a high level of credit worthiness. You make your monthly payments on-time like clockwork, but then you come to a fork in the road. Maybe business is slow this time of the year or maybe its a holiday season and you had to budget in […]


Credit Monitoring Services

Posted by : Frank Mignosi

People strive to maintain a high credit score. Having a high credit score opens the door to many opportunities when immediate cash flow is not available. Paying your bills on-time and being cautious of your expenses is very important. There are many different credit monitoring systems out there to choose from, but exactly what are […]


Establishing Credit With A Secured Card

Posted by : Frank Mignosi

In the past few blog posts we’ve discussed the Basics of the Mortgage Qualification Process and What the Fair Credit Reporting Act means to you, the consumerĀ and now I would like to touch on a different subject. What if you have little or no credit and can’t find a lender that will approve you for […]


Basics of the Mortgage Qualification Process

Posted by : Frank Mignosi

The dream of owning a home. You open up your web browser and start looking at listings. You find a few in the desired area of which you are looking to plant your feet. You look at the number of bedrooms, baths, amenities such as fireplace, pool, etc. The next step is usually to check […]


The 5 Categories of Your Credit Score

Posted by : Cole Haynes

Your credit score is calculated by using lots of credit related information about you. All of this information fits into one of five categories, each varies in overall importance when calculating your score. The Five Categories:   Considering the above breakdown of categories by importance, realize that Payment History and Amounts Owed carry significant importance […]


What the Fair Credit Reporting Act (FCRA) means to you, the consumer

Posted by : Frank Mignosi

To some, achieving a higher credit score may already seem like an impossible task. Between the bills piling up on the kitchen counter and the daily phone calls from said creditors trying to collect the debt, you might find it hard at times to catch your breath. On the bright side, the Fair Credit Reporting […]