Why Your Credit Score Matters and How to Fix It

Why Your Credit Score Matters and How to Fix It

In this last ten years, much has changed when it comes to credit and credit scores. I was working a part-time job in college in 2008 for a credit card customer service call center when the Fair Credit Reporting Act was brand new. Needless to say, there were many trainings and lots of phone calls and emails about the changes being made. I was lucky as such a young adult to be able to witness how credit cards work and how scores can change and how to best manage multiple credit accounts. I can safely say that job was not for me nor is any other phone based customer service job, but it paid well for a college student; both monetarily and with invaluable knowledge. Continue reading “Why Your Credit Score Matters and How to Fix It”

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Why We Bought a House One Year and $22,000 Sooner Than Planned

Why We Bought a House One Year and $22,000 Sooner Than Planned

It is pretty standard to put down 20% when purchasing a home. The more you can put down, the lower your monthly payment. And the easier it will be to pay extra and pay it off faster and the less you will pay in interest over time. In an ideal world I would pay cash for our dream home prior to settling down to start a family. But until The Sims “rosebud” cheat works in real life, we are looking at up to 30 years of debt for where we sleep at night. Continue reading “Why We Bought a House One Year and $22,000 Sooner Than Planned”

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