Jeff Sipes's Blog

When it comes to managing your use of credit to keep a good score, one of the biggest sources of confusion is about closing tradelines.  Many people have old or unused credit cards, bank cards, or other lines, and often inadvertently close or cancel them, thinking it will help their credit score...

What credit score do you need to get the absolute best interest rates for a mortgage? That’s the question the Zillow mortgage division set out to answer with its recent survey.  To come to the conclusion, the Zillow survey factored in data from 13 million loan quotes and 225,000 purchase loan re...

  We get questions from consumers about their credit scores all the time, but this one just came across my desk and was important enough to share.    I was asked, “What day of the month do creditors report to the credit bureaus?”   Let me shed some light on this question:    The short answer is: ...

October is the month for pink and we see it everywhere – pro baseball and football players wearing pink arm bands, pink bumper stickers, and pink ribbons adorning store windows.  Of course that’s because it’s Breast Cancer Awareness month, an international collaboration of medical professionals ...

In  a world where the wall of privacy between your real life and online presence is rapidly crumbling, the effects may be far reaching - and a little scary.  That's the sentiment felt by many people as they found out that their Facebook usage could have an effect on their credit report.  Maybe.  ...

October is the month for pink and we see it everywhere – pro baseball and football players wearing pink arm bands, pink bumper stickers, and pink ribbons adorning store windows.  Of course that’s because it’s Breast Cancer Awareness month, an international collaboration of medical professionals a...

As October rolls into its second week, we start looking toward the spookiest of holidays, Halloween.  It’s time to find the perfect costume, decorate the house, and get ready for a ghoulish good time with the kiddos.  However, for many parents, keeping their children safe while Trick or Treating ...

A consumer has  many options when they are interested in increasing their credit score.  Unfortunately, not all of these options will result in the desired outcome.  It can get downright scary for the average person who just Google "credit repair" or starts listening to every salesperson or blowh...