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  • Preparing Your Credit for an Auto Loan

    Preparing Your Credit for an Auto Loan

    There are a lot a factors to consider and numerous decisions to be made as you prepare to purchase a new vehicle. While some of these decisions can be fun (such as choosing the make, model, and color of your ride) there are also some other important factors which you cannot afford to overlook. Making […]

    Jason M. Kaplan, Esq./
    October 16, 2025
  • Free Credit Scores

    Free Credit Scores: Useful or a Waste of Time?

    Making Sense of Free Credit Scores: Benefits and Drawbacks The free credit scores you pull online (aka consumer credit scores) and the credit scores you receive whenever a lender accesses your credit as part of a loan application are often worlds apart. Many of the consumer credit scores which you can access online are some […]

    Jason M. Kaplan, Esq./
    September 22, 2017
  • Limited Access to Credit Report

    Who Has the Right to Access Your Credit Reports?

    Protecting Your Privacy: Who Can Legally Access Your Credit Reports? Have you ever reviewed a copy of your 3 credit reports? If not, you should make a point to do so sooner rather than later. Your credit reports can contain a vast amount of personal information about you. This information, collected by the credit reporting […]

    Jason M. Kaplan, Esq./
    September 7, 2017
  • 29

    Do You Still Owe a Charged-Off Debt?

    “Charge-off” is a credit term which is very often misunderstood by consumers. If you have struggled with credit problems in the past, the term could easily wind up on your credit reports in association with unpaid accounts. However, while a charge-off might potentially appear to be good news on the surface it does not actually […]

    Jason M. Kaplan, Esq./
    July 13, 2025
  • 24

    Credit Problems Which Can Ruin Your Mortgage Application

    If you have done your homework you already know that earning good credit is a key step in purchasing a home. Your 3 credit reports and scores will play an important role in whether a lender will approve or deny your next mortgage application. Yet believe it or not, you do not have to have […]

    Jason M. Kaplan, Esq./
    October 16, 2025
  • 8

    Mortgages: From Pre-Approval to Clear to Close

    Understanding the Mortgage Process: From Pre-Approval to Closing Buying a home can be an exciting and fulfilling goal to achieve, especially if you have fought to overcome credit issues in order to be eligible for a mortgage. Yet the home buying process leaves many borrowers feeling confused and frustrated as well. If you are working […]

    Jason M. Kaplan, Esq./
    July 13, 2025
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    Universal Default

    Credit cards represent a wonderful tool to help you build good credit, but only when they are used properly. Improperly managed credit cards can actually lead to a lot of credit and financial problems including lower credit scores and out-of-control, stressful debt. For this reason our team of credit professionals recommends that you keep your […]

    Jason M. Kaplan, Esq./
    July 13, 2025
  • 1 1

    How Many Credit Cards Are Too Many?

    If you are looking for credit advice online or in your favorite eBook store you are likely to come across a lot of different opinions. Some credit advice will probably be very similar across the board, such as the fact that no one thinks it is a good idea to make late payments on your […]

    Jason M. Kaplan, Esq./
    July 13, 2025
  • 2

    Does Credit Matter If I’m Not Applying for a Loan?

    Discover why credit matters beyond loan applications. Explore the role of credit in your overall financial well-being.

    Jason M. Kaplan, Esq./
    June 27, 2025
  • og image how lenders use FICO scoresfacebook

    How Your Credit Reports Could Change Drastically On July 1st

    Discover the upcoming changes in credit reporting policies by Equifax, TransUnion, and Experian. Tax liens and judgments will soon be removed from credit reports.

    Jason M. Kaplan, Esq./
    June 27, 2025
  • Trended Data

    Trended Data

    If you have never heard of the term “trended data” before, then you need to pay close attention to this article. This somewhat recent addition (relatively speaking) to your credit reports could have a noteworthy influence over your credit scores and, by extension, your ability to qualify for loans and credit cards in the future. […]

    Jason M. Kaplan, Esq./
    July 13, 2025
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    Why Current Creditors Check Your Credit

    Learn why creditors check your credit to understand how your credit reports impact your financial future. Discover the importance of installment and revolving debt accounts.

    Jason M. Kaplan, Esq./
    June 27, 2025

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