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How long your accounts have been open make a difference! Your Credit History, or how long your accounts have been opened - 15% impact on your credit score. The longer your accounts have been opened, the higher your score will be; newly opened accounts will bring your...

Last night, as I was sitting through another show my wife had on the DVR, my mind started going on about what information that I wanted to get out to people this month.   The program we were watching  was called “Suits” on the USA Network.  It’s a show about a guy...

Should you be putting more money towards your mortgage to pay it off early?  I get this question every single time I sit with a client to talk about a purchase or refinance of their home.  There are varying degrees of answers unique to each person, however, this will...

The Balance You Owe vs. Your Available Credit Lines - 30% impact on your credit score. Keeping your credit balances below 50% of your available limit is very important. Keeping your balances below 30% of your available credit is even better. This is perhaps the single...

Are you being penalized for paying your mortgage on time? Over the last couple of years that has been what I hear from several of the people that call me to refinance their current mortgages.  The sentiment is that they see people that fall behind or have other...