Question:
What is the quickest way to improve my FICO credit score?
Answer:
Most people know that paying their bills on time is important if you want
a good credit score. But paying your bills on time is not always enough
to ensure a strong credit score.
The median FICO credit score is 723.
But FICO scores above 760 are ideal […]

Question:I have a credit card with a balance of Ten Thousand Dollars
at 5.99 percent APR. I used it to pay tuition, books, and
expenses to help my daughter through college.
I have applied for a Sallie Mae loan to help pay for my
her education. Should I use the Parent Plus Loan to consolidate
my credit card debt?How will […]

Question:
I have a pretty good credit history. I am thinking about adding my daughter
as a joint account holder with me since she doesn’t have any credit history.
How will her credit affect my credit report?
Would it be better if I cosigned a credit card for her?
If she screws up and misses a payment, how long would […]

Today is the 1 year anniversary of when I started this blog.
Congratulations to me!
I originally started this blog telling about my inappropriate use
of credit years ago when I was a young college student.
I have covered many different topics since that first day.
I’m now coming full-circle and will start talking about credit once again.

Question:

I fell behind […]

If it Sounds Too Good to be True, It still could be!
Have you ever seen those ads for a FREE iPod?
Or perhaps a FREE Plasma TV or FREE Laptop, FREE Digital Camera?
I get spam email offering them all the time.
I immediately delete them because if it sounds too good to be true, it probably […]

In Yesterday’s post I spoke about an amazing Broadway show called
“Three Mo’Tenors” and about the incredible talent of the three singers.
Backing up Three Mo’ was the musical director - with as much talent
as the three singers themselves.
His name is Keith Burton. Keith plays the piano with as much soul as
a Ray Charles or Billy […]

I just came from the most amazing Broadway show called Three Mo’ Tenors.
They performed a flawless, thoroughly entertaining show of song and dance
modeled after “The operatic trio famously known as the “Three Tenors”
(Placido Domingo, Jose Carreras and the late, great, most famous
opera singer in the world - Luciano Pavarotti).
This African-American singing group proved to be […]