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Credit Score Apps

It makes sense that something important like your credit, can be seen or accessed quickly and easily and what a better way than to do that on an app? You have your phone with you every day and probably all day. Here are some easy to use apps that we recommend.   Mint Mint is …

What Do the 3 Credit Bureaus Do?

Equifax, Experian and TransUnion are the main credit bureaus that collect information to generate your credit reports, but they vary in how they calculate your credit scores. They measure the likelihood we will pay our credit obligations and specially on time. We will dig in these 3 bureaus and what they do.   Equifax Based …

How to Budget

Senator Elizabeth Warren made a budget strategy popular, the 50/20/30  budget rule to reach your financial goals. It’s basically separated by 50% on needs, 20% on paying debts or saving and 30% for just living how you like, meaning gym memberships or dinners in a restaurant, etc.   Needs The 50% on needs are for …

How to Remove a Hard Inquiry

A hard inquiry when you apply for a new credit card or a new loan. A creditor will view information on your credit report to determine whether to extend or give the credit or not. A hard inquiry stays on your reports for two years, after that they are removed, but if you can’t wait …