Author name: ShawnKLane

January 7, 2020Shawn LaneConsumer Credit Expert How to Shop for a Mortgage Without Hurting Your Credit Whether you’re buying a new home or refinancing an existing mortgage, shopping around for a good interest rate might save you money. At the very least, rate shopping can help you confirm you’re getting a good deal. But there’s an […]

September 10, 2019Shawn LaneConsumer Credit Expert Does Paying a Collection Help to increase Your Credit Score?​​​​Credit has a huge influence over your day to day life. When your credit is in good shape, it can save you money on everything from your mortgage payment to your auto insurance premiums. On the other hand, bad credit can

July 9, 2019 Shawn Lane Consumer Credit Expert Good credit offers countless advantages. There’s the obvious — good credit can help you to qualify for loans, credit cards, and other types of financing. Solid credit can also help you pay lower interest rates when you’re approved. But low rates and high approval odds are only

July 11, 2018Shawn LaneConsumer Credit Expert Bankruptcy: best steps How to Rebuild Your Credit Bankruptcy has its pros and cons. Chances are that you considered the facts, weighed your options, and did not choose to file bankruptcy lightly. Although bankruptcy can certainly hurt your credit, filing for bankruptcy does not mean that you have to

October 8, 2019Shawn LaneConsumer Credit Expert Best Positive Information to Your Credit Reports It’s important to make sure the information on your three credit reports is accurate. Errors and mistakes on your credit reports can potentially hurt your credit scores and make it difficult or even impossible to qualify for new financing when you need

May 21, 2020Shawn LaneConsumer Credit Expert Best Credit for Kids If you take an informal survey of people struggling to manage their finances as adults, they’ll probably have one thing in common. Disregarding any socioeconomic factors, there’s a good chance they had very little personal finance education as children. It’s not surprising that 36% of college

December 23, 2020Shawn LaneConsumer Credit Expert Best Impact of Holiday Shopping on Your Credit Score As the 2020 Christmas shopping season begins in earnest, consumers are likely concerned about how holiday spending will affect their finances. This year has seen more economic turmoil than any year since the Great Recession of 2008 – particularly affecting