Wayne’s Blog

You Get What You Pay For Many Times: Watch for the * Near the “Free”

They always say nothing in life is free, credit karma has ads all over TV and the radio saying why pay for your credit score… read the link attached if you have them and ask yourself again how awesome their free product is. And remember, just like […]

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What exactly is a credit score?

What exactly is a credit score? Are there different ones? This short video gives you a overview of that and more. Credit controls our lives, But people do not know how important credit really is until you need it TODAY and then it’s too late. Majority of […]

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Texas statute of limitation for being sued on debt

This is a brief overview of what cannot be done by a debt collector or creditor. Knowledge is power! While all states are different and have different time frames understand there is no debtors prison ( IRS not included ), NO ONE is going to send you […]

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Credit Card Balances and Your Credit Score

Why is your credit card balance not correct you ask? Credit controls our lives, But people do not know how important credit really is until you need it TODAY and then it’s too late. Everyone you read about is a self proclaimed “Credit Expert” (even me), beware […]

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Understanding Credit & Credit Scores

Understanding Credit & Credit Scores One thing people need to realize that credit is a fluid concept. It is a mathematical equation where creditors and possibly collection agencies are reporting information on your personal consumer credit file. Taking that into account and the possible amount of information that […]

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