Category Archives: Credit Counseling

Be Credit Smart With Holiday Shopping
Originally posted in 2014, Updated for 2016 Are you planning on using your credit cards for your holiday shopping? Watch out! If you don't play it right, you may still be paying for Holiday Blitz 2016 in the year 2022. According to a survey done by the American Research Group, the average person celebrating Christmas, Kwanzaa and/or Hanukkah will spend a total of $929 this year,...
More Comments are closed
Understanding the FICO Formula
For a number that helps determine so many things in our lives, we consumers know surprisingly little about how our credit scores are calculated. More closely guarded than the secret recipe for Coca Cola, the FICO formula was first developed in 1956 by two math gurus, Bill Fair and Earl Isaac, to help lenders determine the creditworthiness of potential customers. Back then, they created a different...
More Comments are closed
Ethnic Disparities in America
newsYou can look at this article (Huffington Post) as unjust and advocate anger but in all actuality, it's our lack of education. Everything listed in this report are facts and derives from lack of financial clarity. Minorities have to understand how wealth can be easily created, transferred, maintained and grown. After reading this article the answers are...
More Comments are closed