July 9, 2020Shawn LaneConsumer Credit Expert What is Debt Consolidation? Dealing with multiple sources of debt is like juggling chainsaws. If you’re really good at it, you might be able to avoid getting hurt. If you’re really bad at it, you probably won’t get very far without incident. Either way, you’re one mistake away from […]
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June 11, 2020Shawn LaneConsumer Credit Expert Best Alternative to Payday Loans Payday loans get a lot of flack – and rightfully so. They have outrageous interest rates and often use predatory practices to lure in financially vulnerable borrowers. But if you think avoiding payday loans is easy, you’ve probably never been in a situation where
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April 7, 2020Shawn LaneConsumer Credit Expert What is A Credit Builder Loan? Starting from the bottom is always hard. With no upward momentum, just getting started can feel like a monumental task. That holds especially true for your finances. Money tends to make more money, and good credit lends itself to even better credit. All
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February 21, 2019Shawn LaneConsumer Credit Expert Part 2: Amounts Owed Many people think that paying your financial obligations on time is all it takes to earn great credit scores. The truth, however, is that credit scoring is more complicated than that. Believe it or not, the majority of the points in your credit scores don’t
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August 10, 2016Shawn LaneConsumer Credit Expert Credit monitoring is a service that keeps watch over our credit reports and scores so we know where we stand each and everyday. It is very important to know our credit situation BEFORE we apply for any new credit! We have all heard the stories. Your car dies so
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October 26, 2016Shawn LaneConsumer Credit Expert Credit mistakes? Having a good credit score is so important today. Good credit scores get you lower interest rates, higher borrowing limits, lower insurance premiums, better quality rental properties, and even the American dream of home ownership! Good credit does not just happen – you have to earn it!
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June 14, 2017Shawn LaneConsumer Credit Expert Common Credit Mistakes to Avoid Knowing what not to do can be just as important as knowing what you need to do when it comes to your credit. Even if you have worked hard to establish good credit, the wrong slip-up has the ability to undo much of your
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June 8, 2017Shawn LaneConsumer Credit Expert Get Your Best Credit in Shape to Buy a Home Dreaming about buying the perfect home? If so, then you may have already picked out your favorite neighborhoods and floor plans. You might have imagined exactly how you will decorate each room in your new home or you may
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July 6, 2017Shawn LaneConsumer Credit Expert Why Millions of Tax Liens and Judgments are Disappearing from Credit Reports Have you ever heard of NCAP (the National Consumer Assistance Plan)? If not, it’s an acronym you should probably learn more about. NCAP is responsible for the introduction of a number of new consumer friendly practices at
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June 25, 2017Shawn LaneConsumer Credit Expert Credit score confusion Why your lender’s credit scores look so different from the scores you pulled online The credit world is positively full of myths and misconceptions. One such misconception is the idea that you have only one credit score (or even one credit score from each of the
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