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Credit “How-To’s”

  • How to Reduce Your Credit Utilization Rate

    Everyone knows how important a good credit rating is when the time comes to secure a loan or mortgage. However, there is more to it than just that. In addition to your credit score, credit history, job stability, income, household expenses, personal assets… an important factor is your credit utilization rate. What Is a Credit […]

    Jason M. Kaplan, Esq./
    July 31, 2025
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    The Right Time to Pay off Your Credit Card Balances

    Smart Debt Repayment: Knowing When to Pay off Your Credit Card Balances Every month you make sure your credit card balances are either paid in full or paid down enough to keep them in check. You’re a smart money manager and do everything in your power to ensure your credit rating is always the best […]

    Damon DeCrescenzo/
    July 3, 2025
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    Remedy for Late Payments Blocking New Loans

    Resolving Late Payment Issues: Steps to Unblock New Loans You’re so excited that you have to stop yourself from breaking out and dancing right in the middle of the sidewalk. You finally found the car of your dreams and figured out that you have the money for the down payment, you can afford the monthly […]

    Damon DeCrescenzo/
    July 3, 2025
  • Non Contracted Debts

    How to Never Carry Credit Card Debt Again

    A good credit score is a necessity for getting the best deal when you go to buy an automobile or a home. One way to acquire and maintain a good credit score is by using credit cards, but never carrying credit card debt. According to a study published by CNN, an average American household, with […]

    Damon DeCrescenzo/
    July 31, 2025

  • Acquiring Credit Reports of Your Children

    1 in every 40 households with children under the age of 18 had at least one child who had been the victim of identity fraud. Here’s how to Aquire Credit Reports of Your Children

    Damon DeCrescenzo/
    July 3, 2025

  • The Impact of Bad Credit

    As strange and ridiculous as it may sound, credit repair is important to save you money in any future purchases or loan applications that you may be making. The majority of the population misses a payment here or there, or is late on making a payment. This is not the end of the world, however, […]

    Damon DeCrescenzo/
    July 3, 2025

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