Reducing Your Debt

Reducing your Debt

When many individuals start the process of credit restoration, the topic of reducing your debt, is part of the conversation.  You need to make a budget and outline goals to hold yourself accountable to your budget.  Credit cards, mortgage and car payments, student loans, savings… where do you start?  Active credit lines are the top......

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Deciphering the FICO Score

FICO Score

The FICO score is a three digit number that has incredible power in the financial number. It has the power to decline good interest rates and in some cases can affect employment.What’s in a number?The FICO score is made up of a proprietary formula from the Fair Isaac Corporation. This formula consists of several categories......

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Financial Basics

Financial Basics

  Many Americans today are still recovering from the recession of 2008 and have begun to take steps toward learning some Financial Basics. The time of excess spending and the idea of “keeping up with the Jones” have been replaced by conservative thinking and a shift toward gaining back control of their financial future. Incorporating......

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How to Become Debt Free in 2014

The average American has over $16,000 in debt not including the mortgage.  While most people will admit that is too much debt it can be overwhelming to get to figure out a way out. Make a Budget– Consumers build debt when they spend more than they earn.  It’s a basic principle but yet people get......

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