Articles
CFPB Director's resignation: A Lesson for Consumers
By R. David Michaels
With the November 24 resignation of Consumer Financial Protection Bureau (CFPB) director Richard Cor... Read more
Pros and Cons of Credit Card Rewards
By R. David Michaels
When Big Finance introduced rewards based credit cards, they did so hoping to compel consumers such ... Read more
Credit Scores Vary - Depending on Who Pulls it
By R. David Michaels
When a creditor obtains your credit score, the odds are great that it will differ from the score y... Read more
The Government Shutdown is a Historic Lesson for Personal Finance
By R. David Michaels
Hundreds of thousands of federal workers are facing financial peril as a result of the government sh... Read more
Collection Accounts Often Reported Longer than Federal Law Allows
By R. David Michaels
When it comes to credit scores, a collection account is one of the most harmful items to have on you... Read more
Avoid the Holiday Hangover by Properly Budgeting
By R. David Michaels
Tis the season to be jolly. Assuredly, most of us are thinking about the gift(s) we will get for eac... Read more
Does Your Race Affect Your Loan Application?
By William Bradley
Because I have worked for multiple banks over the course of fifteen years, I was recently asked whet... Read more
The New FicoUltra Credit Scoring System: What it Means For You
By R. David Michaels
The Fair Isaac Corporation, the company responsible for FICO scores, announced that it is going to c... Read more
Protect Yourself: Place Credit Freezes on Your Credit Reports
By R. David Michaels
Prior to September 12, 2018, it cost $3 to $12 per bureau to freeze your credit, which is officially... Read more
Fact or Half Truth: Timely Bill Payment Increases Your Credit Score
By R. David Michaels
While reading a major financial paper, I saw an ad from a big time brokerage. The ad was giving seem... Read more
Tips to Protect Your Credit Report Information
By R. David Michaels
In the wake of the Equifax data breach, over half of all Americans had their personal information st... Read more
10 Easy Steps to Fix Your Credit
By R. David Michaels
10 basic steps to drastically improve your credit score. To be truly successful, you must educate yo... Read more
Fed Interest Rate Increase Means Less Money for Consumers
By R. David Michaels
Every politician who wants to hold onto their current office has a booming economy on their wish lis... Read more
Featured
Collection Accounts Often Reported Longer than Federal Law Allows![Collection Account Stress]()
By R. David Michaels
When it comes to credit scores, a collection account is one of the most harmful items to have on you... Read more
Does Your Race Affect Your Loan Application?![Race-and-Loans]()
By William Bradley
Because I have worked for multiple banks over the course of fifteen years, I was recently asked whet... Read more
Protect Yourself: Place Credit Freezes on Your Credit Reports![Freeze-Credit]()
By R. David Michaels
Prior to September 12, 2018, it cost $3 to $12 per bureau to freeze your credit, which is officially... Read more
10 Easy Steps to Fix Your Credit![10 steps image]()
By R. David Michaels
10 basic steps to drastically improve your credit score. To be truly successful, you must educate yo... Read more