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Why Credit Card Utilization Ratio Matters?

The Impact of Credit Card Utilization Ratio on Your Credit Score Credit card utilization ratio is a very important calculation for your credit score. It’s often forgotten by people when they’re using their credit card, and you might be guilty of this too! But why credit card utilization ratio matters? How does it affect your […]

Jason M. Kaplan, Esq./

May 15, 2020
Simple Credit Tips for Recent Graduates

If you’ve recently graduated from school and are getting started in the full time workforce, you may have come in with some goals for yourself, then these simple credit tips for recent graduates are really helpful. Top most common goals are: To pay off student loans (How To Save Thousands of Dollars On Student Loans) […]

Jason M. Kaplan, Esq./

May 31, 2025
What You Need to Know For Your First Mortgage

Insights for First-Time Homebuyers: What You Should Know About Your First Mortgage Your first mortgage is one of the most important financial commitments you will make in your life. Depending on your first mortgage, you could have a lifetime of good credit, or end up in a deep financial hole that will take years to […]

Jason M. Kaplan, Esq./

May 31, 2025
UltraFICO: A Brand New Credit Score That Could Save You Money

Maximizing Your Credit Potential: The Advantages of UltraFICO for Savings FICO has hit the news, and it’s not very often that FICO is talked about. However, this time, it’s quite a big deal. Read out this blog on introducing the UltraFICO score, what to know about UltraFICO and how the UltraFICO credit score work. They […]

Jason M. Kaplan, Esq./

May 18, 2019
Did You Know Bad Credit Can Increase Your Insurance Premiums?

Can Bad Credit Increase Insurance Premiums? You are probably already very familiar with the concept that the condition of your credit is going to have a big impact the next time you need to apply for a mortgage, auto loan, or credit card. After all, it is no secret that bad credit makes it difficult […]

Jason M. Kaplan, Esq./

March 29, 2018
New Year’s Resolutions for Better Credit

Is your goal to purchase a home or vehicle? Are you tired of bad credit holding you back from the financing you need? If so, then building upon the excitement of the New Year might just be the perfect opportunity for you to make the changes you need to improve your credit. New Year resolutions […]

Jason M. Kaplan, Esq./

March 15, 2018
What You Need to Do If You Overspent During the Holidays

The temptation to overspend during the holidays is very high. Yet overdoing it when it comes to holiday spending will almost certainly spell trouble for your finances and your credit, causing additional holiday debt. Naturally the best course of action when it comes to holiday spending is to set a firm budget ahead of time […]

Jason M. Kaplan, Esq./

March 2, 2018
You Need to Know: Can Student Loans Impact Your Credit?

Believe it or not, worrying about your credit is actually a good thing. It shows that you are thinking. It shows that you are smart. It shows that you want to take charge of the direction in which your life is headed instead of just sitting back and allowing life to happen. So you might […]

Jason M. Kaplan, Esq./

January 26, 2018
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./

May 31, 2025
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/

April 13, 2015
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/

March 30, 2015
5 Ways You Can Ruin Your Credit without Knowing it

5 things that can easily lower your credit score are bankruptcy, applying for new cards, cosigning a loan, late payments, and not checking your report.

Damon DeCrescenzo/

March 26, 2015

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