How Much Do You Know About Your Credit Score? When it comes to improving your credit, how much do you really know about your credit score? According to a 2006 Consumer Action study, more than 27% of Americans have never checked their credit score. And a recent FTC report showed that a quarter of American […]

Posted on 29th July 2015 by Joel Francois in Credit, Credit Monitoring, Credit Repair, Credit Report, Credit Score

Fair Isaac and Company developed a way to calculate credit scores. In the U.S. this calculation is referred to as a FICO score. It is a rating based on the information found in credit reports and is used to determine a persons credit worthiness and risk. The Infographic below is a guide for those with […]

Posted on 9th June 2015 by Joel Francois in Credit Repair, Credit Report, Credit Score

And Repair Your Credit Incorrect credit information can have a negative and long lasting impact on your credit score. Understanding what factors determine a credit score is the first step in repairing your credit. Determining what factors can give you a bad credit rating can go along way in addressing those credit issues weighing down […]

Posted on 29th January 2015 by Joel Francois in Credit Monitoring, Credit Repair, Credit Report, Credit Score

A Step-By-Step Guide Having bad credit can cause many problems in life. It can makes it very difficult to get a loan, buy a home, or purchase a car. It can cause stress and health related problems as well as divide relationships and families. The first step to reigning in the burden of bad credit […]

Posted on 30th September 2014 by Joel Francois in Credit, Credit Repair, Credit Score

What kind of debt do you own? Not all debt is created equally. If managed properly, debt can be good if it produces a good positive cash flow. It’s bad if it creates a negative flow. This infographic helps guide you on what type of debt to hold. By Column Five Source Visually

Posted on 21st April 2014 by Joel Francois in Credit, Debt Education

When does debt settlement make sense? Debt Consolidation and Debt Settlement are not the same.  This infographic compares important aspects the two. Source: Visually.

Posted on 12th March 2014 by Joel Francois in Debt Consolidation, Debt Settlement

Tips to follow if you’re in the red  If the holidays have left you in the red, you’re not alone. According to recent studies, the average personal expense for gifts in the year 2013 amounted to more than $700 and the Americans spent an estimated $602 billion on food, decorations and presents during Christmas 2013 […]

Posted on 17th January 2014 by Joel Francois in Credit Cards, Debt Consolidation, Debt Education

Preparing for Retirement Before we talk about saving for your retirement, there is good news and bad news I would like to mention. The good news is that you are not going to be run over by a speeding freight train on the way home from your last day of work; and the bad news […]

Posted on 11th December 2013 by Joel Francois in Living Debt Free, Retirement Planning, Saving Money

Bad credit is determined by a FICO score. It it the most widely used credit score determinant in the United States.  This infographic highlights the makeup of the FICO score, what consumer information is used and how it is calculated. Source:  Visually  

Posted on 13th November 2013 by Joel Francois in Banking, Credit, Credit Score

Good Debt vs Bad Debt Not all debt is created equally. Some debt is good while some debt is bad. The challenge is in managing your debt properly. This infographic highlights the differences between the many kinds of debt and the best ways to manage them. So, which do you own? Good Debt or Bad […]

Posted on 29th October 2013 by Joel Francois in Debt Education