Understanding How Your Credit History May Affect Your Car Insurance Coverage
Many personal auto insurance companies consider your credit information when determining how much premium to charge for your insurance. So if you are calling around for new insurance, keep in mind that many insurers are looking at your credit history. I hope that we will be able to let you know why ... more...

How Does Credit History Affect Car Insurance Rates?
Many personal car insurance companies consider your credit information when determining how much premium to charge for your insurance. So if you are calling around for new car insurance, keep in mind that many insurers are looking at your credit history to determine your car insurance rates. I hope ... more...

Low Credit Score Mortgage Loans
Because credit scores are a huge factor in determining our approval for a loan and the interest rate received, many people put forth great effort in protecting their score. This involves paying bills on time, minimizing debt, and so forth. Of course, situations beyond our control may occur which ... more...

Adverse Credit Mortgages - Real Estate Borrowing with Discordant Credit
How far can you go to get the right thing? You would not mind making an extra effort in order to get it. Same is true with mortgages. And especially with mortgage for adverse credit. It takes time and patience to get the right one.Adverse credit mortgages are meant for those mortgage people who are ... more...

Working Capital: Financial Options For Small Businesses
IntroductionLarge companies have always had a number of options that they could depend on to raise capital for their businesses. The have always had access to a number of alternatives such as selling stock, issuing bonds, bank loans and accounts receivable financing among others. Looking at the ... more...

Get Your Credit Score To Soar In The Twinkling of An Eye
Ever wonder how a creditor decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you'd be a good risk for credit cards and auto loans. More recently, credit scoring has been used to help creditors evaluate your ability to repay home ... more...

Do You Know The Score And What Does FICO Have To Do With It?
Your credit score is also commonly known as your FICO score. So what is your FICO score? FICO (Fair Isaac and Company Inc) is the credit rating that determines whether or not you get to finance that first car, purchase that first home or buy just about anything else you might want using credit. ... more...

Top 5 Credit Misconceptions
We have all heard the rumorsfrom neighbors, relatives or friends. There are a wide variety of myths floating around about what you should and shouldn't do to improve your credit reports and credit scores. The buck stops here! Phelps Creek Financial Coaching has exposed these urban legends to ... more...

Bad Credit? Qualify Yourself For A Zero Down Mortgage Loan
I decided to write this article today after closing a home purchase loan for a couple that had some major credit issues. They got into the house with ZERO down payment, and only had to bring $600 for the closing costs. Their situation was pretty bad, Im talking about a bankruptcy 2 years ago, ... more...