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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./

July 13, 2025
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./

July 13, 2025
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./

July 13, 2025
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
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
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
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/

June 26, 2025
Beware of CREDIT SWEEP Criminals

Credit sweeps are offered by banks as a cash management tool to help customers manage their accounts.

Jason M. Kaplan, Esq./

July 3, 2025

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