Where the Heck Did FICO Come From?

Not too long ago, the credit world was much different than it is today. Credit bureaus operated in near secrecy, gathering information in ways that may surprise you. For instance, did you know that Retailer's credit (now Equifax) received information about you gathered by the Welcome Wagon hostess?

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Pre-Qualification versus Pre-Approval

Several years ago most people didn't really care about the difference between a pre-qualification and a pre-approval because there were so many qualified buyers in the home buying market place…

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Free Credit Report

Many people I talk to have heard about getting their FREE credit report at www.freecreditreport.com because they have heard the catchy commercials they have singing about getting their free report. …

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Mortgage Don’ts

I recently received an email from a Lending a Hand reader requesting information on what to avoid throughout the mortgage process to ensure a smooth approval and closing.  Instead of…

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Mortgage and Divorce

Finances are a touchy subject when it comes to divorce, but I guess every subject can get touchy during a divorce.  I want to make sure you are aware of…

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