actors affecting credit scores

Factors and Strategies to Improve Your Credit Score

May 18, 2016 | By Steven DiGregorio

Factors Affecting Your Credit Score Credit can be confusing, but understanding the factors that affect your credit score will help you to better manage your finances. Here are the most critical factors affecting your credit score: Your payment history on all loans and credit card accounts for a little over a third (35%) of your […] READ MORE


Suddenly Single? Start Fresh: Protect Finances

June 17, 2015 | By Steven DiGregorio

Losing a spouse through death or divorce can be emotionally devastating and is often a difficult time to make important life decisions. Yet it’s this very time that attention needs to be paid to important financial matters such as retirement assets, budgeting on a single income, appropriate insurance, or reviewing Social Security benefits.  Should you become […] READ MORE


What Can Affect YOUR Credit Score? SURPRISE!!

March 7, 2012 | By Steven DiGregorio

We all know enough to pay our bills on time and carry as little debt as possible, and most of the time, that is all that matters in your credit score. Yet other, smaller factors that many people aren’t aware of can cause your score to suffer. Small Unpaid Private Debts Many people pay their […] READ MORE


60 Second Credit Card and Debt Reduction Plan

June 25, 2011 | By Steven DiGregorio

One of the smartest financial moves you can make now is to pay down your credit card debt.  Credit card companies have always been notorious for high interest rates and fees. The passing of the 2010 Credit Reform Act then caused issuers to raise rates even further, though limiting some of the fees that were […] READ MORE