Most lenders use the FICO credit score to determine how likely you are to pay off debt. According to FICO, there are 5 factors that contribute to your credit score. It’s important for you to understand the factors that affect your credit score so that you can improve or maintain your score. 1. Payment History – 35% This is the ...

Have you ever found yourself wondering how you will get everything crossed off your never-ending to-do list? If you keep reading you will learn a time management technique that will allow you to be more productive and more efficient with your time. There is an analogy that, when applied to time management, helps people plan their time more efficiently by ...

Wondering how you can be more successful? Take a look at your habits and see where you can make improvements in your life. Adopting some of the habits of successful people will no doubt have a positive impact on your life – but first consider what success means to you? Success means different things to everyone, but here we are ...

Private mortgage insurance, also referred to as PMI, is usually required when you put less than 20% down on a conventional loan. This insurance provides protection for the lender, not you, in case you are unable to fully pay off your mortgage loan. On average, the annual cost of PMI can rage from 0.50% to 2.50% of the original loan ...

The information in your credit reports can have a significant impact on your life. This information is used to come up with your credit scores. Your credit scores will be considered anytime you want to make a large purchase, such as buying a car or house, and they will be a factor in determining if you are approved for a ...