when-your-credit-balances-are-reported-to-bureaus

Comparing different FICO scores for mortgage, credit card, and auto lending

Or, more accurately, I should ask you if you know your FICO scores (plural) because the credit scoring giant calculates several versions of your credit worthiness number, based on which lender is looking.

When lenders come to FICO to access your credit score, there could be wild variations in the number they received, depending on what kind of loan you’re applying for. It’s estimated that FICO (originally The Fair Isaacs Corporation), the preeminent scoring model in the industry, generates up to ...

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20 Surprising Facts About Your Credit Score (Part 2)

Do you fully understand how your credit score it calculated and reported? You probably know that you should always pay your bills on time, not max out credit cards, and keep up to date on your mortgage, but if you’re still a little shaky on how the rest of it works, you’re not alone. However, there’s a whole lot beyond the basics of credit score and sound financial practices that the vast majority of Americans have no clue about!

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Remembering-Zig-Zigler-Inspiration

Remembering Zig; 50 quotes by the late, great sales trainer Zig Zigler

We miss Zig. For those of you in the business of selling real estate, mortgages, or any other type of sales who were lucky enough to hear him speak or even meet him, you probably miss him, too. In fact, ‘Zig’ Zigler (his real name was Hilary Hinton Zigler) left a lasting legacy when he passed away of pneumonia at the age of 86 in 2012. His sales wisdom and motivation techniques not only inspired us to be better sales ...

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Never underestimate the importance of online reviews

When it comes to promoting your business, you can do all of the marketing and paid advertising in the world but it still won’t surpass one crucial factor in your success – customer reviews. In fact, customer reviews – particularly through social media and online review sites like Yelp, Google+, Foursquare, and Facebook – are more important than ever in attracting a new audience and converting them to new clients efficiently.

But online reviews are also a double-edged sword since the ...

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These four dates could have a huge impact on your credit score

When it comes to credit reporting and your credit score, there are a lot of numbers that are critical, but we often forget to focus on the various dates that coincide with your accounts. In fact, there are four important dates that show up on every credit report that play a big part of whether your score is on the rise or sinking like a stone. They are:

  • Date Opened
  • Date of Last Activity
  • Date Reported
  • Inquiry Date/Date of Request

We’ll define these dates here, ...

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50 Facts about Starbucks, the world’s biggest coffee chain.

Did you stop for coffee on your way to work this morning? Take a walk during your afternoon break for a java pick-me-up? If so, there’s a good chance you visited your local Starbucks coffee shop. But no matter if you have a daily Venti habit, you’re a fan of Frappuccinos on hot summer days and Pumpkin lattes on rainy October nights, or you can’t help but notice the green nautical logo everywhere, you may find these 50 facts about ...

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20 Surprising facts about your credit score

Do you fully understand how your credit score it calculated and reported? You probably know that you should always pay your bills on time, not max out credit cards, and keep up to date on your mortgage, but if you’re still a little shaky on how the rest of it works, you’re not alone. However, there’s a whole lot beyond the basics of credit score and sound financial practices that the vast majority of Americans have no clue about!

Here are ...

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Facts-about-anonymous-the-international-hacker-group

Do you know ANONYMOUS? A look inside the shadowy international hack-tivist group.

They’ve been called everything from modern day Robin Hoods to cyber-terrorists. They rally for free speech, champions of democracy, and even work to protect us from Isis and Al Qaeda. They are malicious pranksters who hide their identities behind masks, vandals that cause billions of dollars in damage and ruin lives, and lawbreakers.

You may have seen images of them on the news during Occupy Wall Street, adorning the front cover of Time Magazine in 2012 as one of the 100 ...

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what-can-lower-your-credit-score-in-china

In China, dissenting political remarks, traffic violations, and even not visiting your parents enough can lower your credit score!

Many people are slightly confused as to how credit scoring works here in the U.S., with different scores, three separate credit bureaus, and even multiple scoring models. But our credit scoring system is downright easy compared to the system of credit in China – where confusion and even bizarre factors abound.

In fact, one of the things that could potentially drop your credit score in China is if you have elderly parents and don’t visit them enough! Believe it or not, ...

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credit-scores-and-presidential-candidates

Kanye West, late night TV, and favorite presidential candidates are just some of the wild factors that predict our credit score.

Your credit score is based on a lot of factors, like how much debt you hold, your history of paying on time, and the length of time you’ve held positive credit accounts.

But is it possible that what kind of music you like, what you watch on late-night TV, and even what kind of phone you use is a telltale sign of if you have excellent or poor credit?

WalletHub.com did an extensive survey of 1,000 individuals, and then normalized the ...

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