Buying Your First Home Without a 20% Down Payment
The twenty percent rule is a habit, not a law. There are programs that ask for three, and a couple that ask for nothing at all.
The Right Order to Buy a Car Without Hurting Your Credit
Ten years inside a finance department taught me that the dealership is not where you lose money. You lose it in the order you do things.
Separating Business Credit From Your Personal Credit
If your company borrows in your name, you do not have business credit, you have personal debt with a logo on it.
A Debt Collector Called: What to Say and What Never to Say
The first call is designed to make you react. Everything you gain in that conversation comes from the things you do not say.
Utilisation Is What Moves Your Score Fastest
Payment history is the biggest slice, but it is slow. Utilisation is thirty percent of your score and it resets every single month.
