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Blog Posts in October, 2015

  • How Is My Credit Score Calculated?

    | 28-Oct-2015

    Most people have heard of credit scores and realize how they can effect a person’s life. But, many people do not understand how a credit score is actually calculated. To help, we have broken down what makes up a person’s credit score. 1. 30% of Your Score= Amounts Owed This takes into account how much money you owe and is based on the percentage of your used credit in relation to your ...
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  • Ocwen Financial Apologizes for Thousands of Backdated Letters

    | 27-Oct-2015

    Mortgage-servicing company Ocwen Financial Corp. is currently investigating an error that led to potentially hundreds of thousands of backdated letters being sent to borrowers. This investigation is in response to a probe by New York’s superintendent of financial services, who claims that the company ignored the “pervasive” problem for months after a whistleblower initially ...
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  • How Important is Your Credit Score?

    | 21-Oct-2015

    Have you ever considered how important your credit score can be? Oftentimes, individuals do not consider the impact of a negative or positive credit score. However, it can be the deciding factor in many cases. To help you understand, we have listed three points regarding how your credit score can affect your life. 1. Your Credit Score Can Determine the Cost of Large Future Purchases In many ...
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  • Avoid Holiday Season Debt with These Financial Tips

    | 14-Oct-2015

    Oftentimes, the holiday season brings about the temptation to give to your loved ones. While this can be an enjoyable part of the holidays, it is important that you take the appropriate steps of budgeting to avoid drowning yourself in unpayable debts. To help, we have compiled a list of things you can do to avoid filing for bankruptcy during the holidays. Additionally, we have supplied this list ...
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  • Security-Chipped Credit Cards Replace Magnetic Strip Credit Cards

    | 7-Oct-2015

    Credit card fraud has been one of the most common types of fraud for quite some time. In fact, the Federal Reserve reports that in 2012, there were over 13.7 fraudulent credit card transactions that totaled more than $2.3 billion in charges. Research states that the magnetic strips located on the back of these cards are easy to counterfeit. These strips have become one of the main ways fraudsters ...
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  • A new program aimed at helping Californians with limited means free themselves of driving debt will take effect this week as part of Governor Jerry Brown’s annual budget. Brown has long criticized the current traffic court system, calling it a “hellhole of desperation” for people who are caught in it. The inability to pay a spiraling amount of traffic fines and court fees has ...
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