Acing Your Credit Score

 Whether you are buying a house, a car, or refinancing student loans, lenders look at your credit scores (from 3 national credit bureaus: Equifax, Experian and TransUnion) to evaluate the risks they take on by lending you money. Understanding, safe-guarding, and maxing your

Timing Credit Trough’s

Dear Readers, I have a confession to make. I recently got my personal record low credit score of 717 (based on experian credit bureau, my transunion credit score is still 740, but down from 800; haven’t checked my equafax credit score.)

FICO score simulator, awesome tool!

I recently found this tool available to me at my experian account. Pretty useful! Much of what I learned through years of experiences/self education are summarized AND simulated in this tool. Wished that I had this earlier, so I’m eager to

If you don’t stretch your credit, it ain’t gonna grow.

Use it or lose it; my personal take on this idiom: stretch it and grow it. First of all, divide your credit history into “need it” vs. “don’t need it” phases. When you “need your credit,” you want your absolute highest

How I fixed my once BAD & SMALL credit.

I had bad credit once. Someone used my name to open an utility account in San Francisco and decided to leave a $3 balance causing delinquency. I was not aware of it until I pull my annual FREE credit report

How credit card companies compete to save me interest on student loans :)

With my income of 50k as a medical intern, there is just NO WAY I can pay my student loan down as aggressively as I have been. I graduated from medical school with 51k of student loan. How in the world

%d bloggers like this: