Questions and Answers

How is your credit score calculated?

You already know it is important to have good credit if you want to reach your goals. Some people like to know how things work and in this article I am going to explain to you how your credit score is calculated. Your credit score is determined by an assortment of mathematical algorithms which are... Read More »

Is a college degree worth the debt?

This is a tough question to answer. First let’s recognize the fact that some college degrees are absolutely useless or worthless white others are highly valuable. The value of a college degree depends on many factors including but not limited to: How much money will you really earn with the college degree you are considering... Read More »

Should I Refinance?

Refinancing could help you or hurt you. Here are six questions  to ask before deciding to refinance. 1. Will I qualify for the rate I’m looking for? This all depends, between your credit score, the type of refinancing you are looking for, will determine what interest rate you will qualify for.  Search around and get... Read More »

The truth about Credit Repair Scams

The Truth About Credit Repair And Credit Repair Scams Erasing bad credit information is impossible if the information is true and accurate. A bad credit repair company that claims otherwise is outright lying and misleading. However, this does not mean that there are no options available to consumers. If you discover something incorrect on your... Read More »

Credit Repair Scams and how to avoid getting ripped off

How do you avoid getting ripped off by a credit repair scam? Introduction to Credit Repair and Credit Repair Scams It’s impossible to turn on the TV, open a newspaper or listen to the radio without coming across an ad for a credit repair rip off and other credit repair scams. These credit repair rip... Read More »

How to maintain good credit?

As you might already know it can be hard work to obtain a high credit score. It does not happen overnight. Establishing good credit then maintaining your good credit history does require a commitment to excellence on your part. You must continue to pay your bills early or on time each and every month including... Read More »

How can a speeding ticket or traffic infraction damage your credit score?

While your ability to drive an automobile does not directly have anything to do with your credit score an unpaid ticket will affect your credit score in a negative way. Dear Fair Credit Blog, I received a speeding ticket while traveling from Jacksonville Florida to Philadelphia PA to visit a friend. I have not yet paid... Read More »

How to get a perfect credit score?

Is it really possible to have a perfect credit score? YES and there are approximately 1 million Americans that have earned a perfect credit score. If you want to be a part of that elite group you better pay attention to the articles in this credit blog. Most people’s credit scores rank in the 700... Read More »