Is the internet crushing your attention span more than you’d like to admit? It’s okay. We have that same problem. That’s why you have the option of listening to this article instead.  Depending on where you live, the following stat may not shock you: there are more payday loan companies and speedy cash lenders in the
Believe it or not, money laws go all the way back to Aristotle. The ancient Greek philosopher famously called moneylending “the birth of money from money.” Even the Bible says “love ye enemies, do good, and lend, hoping for nothing thereby.” Early in our collective history, moneylending was seen as a personal transaction; an act
Many people understand the basic idea behind debt. You buy things, and when you do, lenders can help you, but if lenders don’t get your money, suddenly the borrower and the lender have an agreement problem. Broken agreements are what we call debt (which is different, though related, from collections). This is the system that

The Bad Credit Disadvantage

By David Castillo If you’re reading this, we’d like to think you’ve been to the Credit Repairmen, used our services, and profited as a result of making smart life choices. If you haven’t, we’re not the tax man. You still have time. In case you didn’t know, Earth Day is April 22nd, and there are
By David Castillo Credit can seem like an abstract concept to people when it comes to business. It’s not a winning lottery ticket in your hand you can quickly flip for cars, vacations, and your favorite handbags. However, even the lottery undercuts what it means to “win” when you consider some of the horrors lottery
There are things that we know would be reported on our credit reports such as credit cards, financed vehicles, a mortgage. However, there are certain items that CAN appear on your credit report that you may not be aware of that can affect your FICO score.   Business Credit Cards: Many times when opening a

College Students: Don’t Ruin your Credit

Being on your own for the first time can be exciting and liberating, but be mindful not to make the following credit mistakes that could haunt you for a very long time. Abusing easy credit As a student, you are an easy target for credit card companies. You are easily approved and can spend money

7 Lessons in Making Life Affordable

Life is hectic.  Sometimes we feel a lack of control over our finances, credit and budget.  Here are some steps on how to make your life more affordable and plan for the future. #1 Always check your credit and stay on top of any impending problems or issues. #2 Create a budget.  Use a spreadsheet
Coming out of bankruptcy proceedings may initially bring you peace of mind because it is finally over.  But then you are hit with the next unfortunate phase of the process and that is trying to repair your credit. Even though many people have been through the bankruptcy system, many find it embarrassing and therefore, don’t