Aspirations

From Chaos to Peacefulness

Learning our financial selves takes time. The ups and downs of the market is enough to cause fragility in the most stable mind. This is why it’s important to recognize…

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Components of VantageScore 3.0 Model

VantageScore 3.0 is the next widely used model for determining your credit score. VantageScore Model 4.0 came out in 2017, but it’s not commonly used by lenders. Here is a brief…

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Mindful Check-in

Doing mindful check-ins can help you refocus your attention to the cause of your financial turmoil instead of being in reactive mode. These simple steps can help: Become aware of…

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Improving Your Payment History

While it may seem clear on how to improve your payment history, here are a few more suggestions than just making monthly payments: Be timely with your payment – yes,…

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Why Your Payment History Matters

Making up 35% of your FICO score, your payment history is not something to take lightly. According to MyFICO.com, “having no late payments in your credit report doesn’t mean you’ll…

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Understanding Your Credit Mix

A healthy credit mix includes revolving and installment loans. Revolving credit are credit cards and retail cards while installment loans are mortgages, car loans, student loans, etc. However, this doesn’t…

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What Makes Up Your FICO Score?

It’s important to be aware of the components of your FICO score, so you can make wiser decisions.  Here is a brief overview: Payment History 35% Making timely payments is…

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5 Steps to Improve Your Credit

Rebuilding credit can seem like a daunting task, but with a few adjustments to life and a careful eye on your habits, you can rebuild your credit.  Here are 5 …

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Divorcing Financially

Divorce is not an easy thing to do and add to that finances and it breeds the perfect ground for mayhem. But, it doesn’t have to be a treacherous situation.…

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