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The Benefits of having good credit

The Benefits of having good credit

So, what exactly do we gain by having a credit score over 700? Is this something we should strive for? These are questions that we tend to ask ourselves but don’t know where to find the right answer. The answer is very simple, having a credit score over 700 believe it...

Chapter 7 VS Chapter 13

Chapter 7 VS Chapter 13

Chapter 7 VS Chapter 13 A Chapter 7 bankruptcy will discharge most types of unsecured debt. The trustee will try to sell any significant nonexempt property in order to repay your creditors. A typical Chapter 7 bankruptcy takes three to four months to complete. Many...

Voluntary Repossession vs. Involuntary Repossession

Voluntary Repossession vs. Involuntary Repossession

When it comes to repossession, there are two ways it can happen: either you surrender the car yourself or wait until a recovery company comes and takes it. If you choose to give up the vehicle yourself, it’s a voluntary repossession. But just because you give up your...

Do we really have enough time?

Do we really have enough time?

In loving memory of the Kobe Bryant, his daughter Gigi and all those affected by the horrific accident that took place January 26, 2020 I wanted to talk about “time”. A lot of times we think that there’s enough of that so called “time” to get things done not knowing...

What’s your dream?

What’s your dream?

In honor of Martin Luther King Jr. we want to ask you, what’s your dream? We all know what Martin’s dream was and the impact that it created bringing everyone together for a better and stronger world. He didn’t care about what would people think or the reaction that...

Child support, how it affects your credit.

Child support, how it affects your credit.

Delinquent child support can get listed as a tradeline, or account on your credit report. It is reported to credit bureaus directly by the municipality or agency collecting the debt. Delinquent child support can get listed as a tradeline, or account on your credit...

Why is good credit important?

Why is good credit important?

Credit, especially good credit, is very important. It affects almost every major buying decision. Good credit can help you get a good rate on a credit card, car loan or home mortgage. It can also help you when it comes time to sign an apartment lease agreement or...

Is Not Having Any Credit Bad?

Is Not Having Any Credit Bad?

Having no credit is not bad but it's also not good because you can find yourself struggling tremendously for a creditor to approve you for credit. When you have no credit, it means that you do not have anything reporting on your credit report at all, negative or...