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Archive for posts by Kent Irwin

Credit Ratings 102

Common questions about credit ratings and closing accounts, credit card usage and boosting ratings Q:        I’m currently unemployed and unmarried. Do these facts impact my credit scores? A:        No. Neither of these facts affects your scores. Also, your scores are not affected by the number of dependents you have, retirement, debt-to-income ratio, number of years… Read More »

Credit Ratings 101

Cut through the misinformation about credit ratings Q:        What’s the difference between a credit report and a credit score? A:        A credit report contains information that creditors provide to a credit bureau; it details how you have handled your past and current financial obligations. A credit bureau collects data from creditors 24/7, but does not… Read More »

How to Thrive Financially after Graduating College

Tips to Thrive Financially After College: Taxes, Spending and Financial Planning The Big Surprise for Recent College Graduates College students are now graduating with more debt than ever, loan payments can be crippling as they enter an economy where almost everything has increased a lot in cost, like food and gasoline. Graduates right out of… Read More »