Taking a trip you can’t afford? Join the club

You may have earned a vacation this summer for all your hard work, but have you earned enough money to take one? Family vacation, motorhome trip. In a national survey from financial planning company LearnVest, 74 percent of respondents said they’ve gone into debt to pay for a vacation. On average, that debt topped $1,100. […]

What’s The Deal With Credit Inquires

As a certified FICO Pro, I get this question on a daily basis. There is so much confusion surrounding the topic of inquiries. It is very important that consumers understand how this process really affects your credit score. What is an “inquiry”? When you apply for credit, you authorize those lenders to ask or “inquire” […]

How police identify dealers who use the ‘darknet’ to buy, distribute drugs

Did you know there’s a Craigslist-type of hidden network used to sell illegal substances? If you think you know about the dangers lurking on the internet, you may think again after hearing about the ‘darknet.’ “It’s a series of numerous websites that were built kind of specifically for people to be able to browse anonymously,” […]

It’s time to pay those holiday credit card purchases: Here’s how to manage

This is the kind of hangover that can really cause some damage. It’s a little over a month since Christmas Day, and New Jersey residents are facing the bill for all the holiday gifts and entertainment they may have purchased with the simple swipe of a credit card. Known in the industry as the holiday […]

Trick or Treat: Free Credit Scores

Reasons Your Free Credit Scores and FICO Scores Are Different One of the main concerns that come with websites like Credit Karma or Credit.com, is that the free credit scores being provided are not your actual FICO (Fair Isaac Credit Organization) scores. This may lead you to seek for the new car you wanted or […]

How to avoid falling into debt

4 Steps to help avoid falling into debt Fast internet services and instant gratification has made it harder for people to avoid falling into debt today. All you need to do is make a few clicks on your mouse, and you can buy anything you want and have it delivered to your doorstop. However this […]

Multiple Credit Card Applications Can Affect Your Credit

It is true that you need to get credit to build a good credit score and this can be done by getting a credit card and using it responsibly. However, making various credit card applications in a short  span of time can also damage your credit score. The reason multiple credit card applications affect your […]

Credit Tips From Paul Oster “The Nation’s Credit Repair Man”

Credit Tips To Help You Avoid Dangerous Mistakes Credit cards help you easily and conveniently buy things you want (not necessarily need) and even help bail you out of a jam. Unfortunately all this comes at a price; moreover, uncontrolled spending and credit card use leads to various financial mistakes which come with long-term effects. […]

The Walking Debt – A Guide to Eliminating your Debt

If you’re like me, then every Sunday night you’re glued to the TV watching AMC’s The Walking Dead, hoping your favorite character isn’t the next to be killed off. The show focuses around a group of survivors constantly stressing over how they are going to overcome a growing zombie threat known as walkers. The stress […]

Build Credit With Holiday Spending

It’s never too early to start planning your holiday spending budget. In 2014 average shoppers around the country were on pace to spend a whopping $861 on holiday gifts alone. With an expense that large, shouldn’t you get something back in return? (aside from the joyous feeling of gift giving of course!) Truth of the […]