Articles by Silvia Gonzalez

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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Sticking to Our Method

From my previous post, How to Create Mindfulness Around Our Finances, we learned the importance of having a method. It sounds simple. Stop, breath or recite. But when we are…

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Incorporating Healthy Habits

After spending time analyzing our finances and starting a new routine, categorizing our expenses into needs and wants either in a spreadsheet or on paper is essential.  Needs are what…

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