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WHAT IS CREDIT? To put it plainly, credit is trust. Credit, credit report, credit score “Oh my!” These are all terms dealing with your financial reputation and trustworthiness as a borrower. Companies gather information about your spending habits, if or when you pay your bills late or...

Traditionally, when we think of personal credit and our own credit history our primary concerns are those items that may reflect poorly on us. Negative reports from previous lenders, creditors and other agencies can cause a credit score to plummet quickly. However, the process of...

Maintaining a high credit score is the best way to get what you want or need without having the cash immediately available. If we are honest with ourselves, there have been times when we've all wanted something we couldn't actually afford to buy outright. This is...

Grappling with poor credit is an equal opportunity issue. Regardless of your income or socioeconomic bracket poor credit can plague any of us if we're not careful. With less expendable funds, however, good money management and budgeting do become more important and more difficult. When...

Henry Ford said these famous words that have lived on in history, "Whether you think you can or you can't, either way you're right." Mind over matter is a principle that the most successful and accomplished individuals live by daily. Impulsivity often leads to poor...