FICO-credit-scoring-vs-VantageScore

Can you escape Big Brother in our modern society? (Part 2 of 2)

In part 1 of this blog, we relayed the story of how a young writer named Henry David Thoreau moved to a remote path of woods by Walden Pond in 1845, where he built a humble cabin and lived a Spartan existence. When Thoreau emerged more than two years later, he had produced the manuscript to Walden, a memoir that trumpeted the virtues of simplicity, as well as the perils of conformity to modern industrial society. And while that was ...

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Myth-busters-about-credit-scores

Myth Busters takes on credit scores

One of the most popular shows on television for 14 seasons since its debut in 2003, Myth Busters has been getting to the bottom of urban legends, unraveling paradox, and frankly, blowing a lot of stuff up along the way. After filming 282 episodes before the show was cancelled in March of 2016, Myth Busters has almost single handedly made science, physics, and engineering cool again with its brand of “science entertainment” with colorful hosts Adam Savage and Jamie Hyneman.

While ...

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25-more-facts-about-starbucks

25 more perfectly roasted and heavily-caffeinated facts about Starbucks, (including one coffee shop location you won’t believe!)

In part one of this blog we brought you 25 rich, steamy and delicious facts about Starbucks, the world’s most popular coffee brand. Here are 25 more perfectly roasted and heavily-caffeinated facts about Starbucks, including our vote for the nicest coffee store in the world!

1. Starbucks was originally based with a nautical theme to celebrate founding city Seattle’s seaport identity, so their logo also has a maritime design.

2. In fact, inspiration for the Starbucks logo came from a ...

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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-pt-1

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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20-surprising-facts-about-your-credit-score-pt-1

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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