Why waiting is not the smartest things to do Have you had a couple of problems with your credit and now on your report, there are some negative accounts listed on it? Derogatory information does not appear on your report until after seven years, and

By: Phoenix Marcón May 13, 2020

We all make mistakes and recovering from them shouldn’t be too difficult nor should we continue to be penalized for them today but when it comes to our credit, there isn’t a simple quick fix that exists. Or is there? Understanding your credit can be

By: Phoenix Marcón March 21, 2020

You’ve finally saved enough money for a decent down payment, your credit score is in tiptop shape and you’ve paid off a significant chunk of your debt. You’re finally ready to say goodbye to hefty monthly rent checks and purchase a home. But once you

By: Phoenix Marcón December 10, 2019

35% On-Time Payments For over 10 years now, I have had the privilege of making thousands of dollars from credit card bonuses and rewards without paying a dime as interest. Truly, I can honestly say that sign-up bonuses have never been larger than today. I

By: Phoenix Marcón August 16, 2019

Most times, being a first-time homebuyer may seem so overwhelming as a result of all the paperwork involved. Being prepared beforehand can go a long way in making the whole process more bearable and worth your while. Your Financials Have To Be In Order As

By: Phoenix Marcón May 16, 2019

When it comes to understanding your credit, one of the most frequently asked questions is: How long does negative information remain on my credit report? The answer is that it depends on the type of information since different accounts report longer than others. There is

By: Phoenix Marcón January 10, 2019

If you possess credit cards you don’t use, you’re unlikely to improve your score by closing the account. In fact, closing a card might even lower your score. Credit scoring models don’t measure risk by how much credit you have available, but rather by how

By: Phoenix Marcón April 11, 2018