Updated on Mar. 29, 2024

As a smart shopper in the auto loan arena, it's common knowledge to review your credit score before stepping foot into a dealership. This numerical representation, typically a three-digit figure, is ...

Updated on Mar. 29, 2024

Hey there! Lately, I've been hearing a lot about DIY (do-it-yourself) credit repair. It's a topic that's been buzzing among my friends and clients, and I've got to say, it's an excellent question. C...

Updated on Mar. 28, 2024

Welcome, everyone! Are you thinking about switching banks but worrying about your credit score? You know how it is—you've been banking with the same company since you opened your first checking acc...

Updated on Mar. 27, 2024

Are you tangled up in a frustrating debt situation with a creditor or collection agency and feeling like you're hitting a brick wall? Don't sweat it. I've got your back. Today, I'm unveiling a potent...

Updated on Mar. 27, 2024

No one enjoys getting calls from Enhanced Recovery Company (ERC). It can be a stressful situation and cause worry about what to say or do. (right?) However, if they are contacting you about a debt...

Updated on Mar. 26, 2024

Hello, fellow financial explorers! I'm Joe Mahlow, your seasoned financial expert, and I'm here to shed light on a crucial financial milestone: the seven-year credit rule. Seven years is a familiar...

Updated on Mar. 25, 2024

Hey there, I'm Joe Mahlow, a financial expert with over 15 years of experience in finance and the credit industry. My passion lies in unraveling the complexities of financial freedom, especially in t...

Updated on Mar. 25, 2024

Hey there, money enthusiasts! Get ready for a super exciting ride through the world of credit scores! I'm Joe, your friendly financial guide, pumped up and ready to explore the mysteries of hitting a...

Updated on Mar. 22, 2024

Hey all! I'm back with another post about the confusing world of credit repair. Today we're diving into whether banks can actually help fix your credit or if they just want to take your money. Spoile...

Updated on Mar. 22, 2024

Hey there, friends! I wanted to share a quick post about something not many are aware of. Let’s talk about how canceling a loan impacts your credit score. I have one client who recently applied for...

Updated on Mar. 22, 2024

Hey man, have you been getting calls from this Credence company? I hear stories from many of my clients who've been there before. Credence is a well-known debt collector. They say you owe them money,...

Updated on Mar. 21, 2024

Collections! Collections! Collections! Almost everyone has debt - so who’s not familiar with the dreaded word collections? Hi guys, it’s me again, Joe—your finance coach! Alright, let's delve i...

Updated on Mar. 21, 2024

FICO scores are widely used by lenders, but they're not the only credit scores out there. Let's explore the differences between various credit-scoring models to understand how they impact your financ...

Updated on Mar. 21, 2024

So, you've probably heard about CreditWise, this handy tool from Capital One, right? With the hype right now in social media, you’ll hear a lot of people talking about it. The biggest question woul...

Updated on Mar. 20, 2024

Talking about Credit Privacy Numbers (CPNs) – those nine-digit codes that promise a shortcut to getting credit. Sounds tempting, right? Thank you for joining me for another insightful discussion. T...

Updated on Mar. 20, 2024

Your credit report reflects your financial health, but hard inquiries can mess it up, especially if they're not legit. But don't worry! With some smart moves, you can kick them out fast. And believe ...

Updated on Mar. 19, 2024

When it comes to securing your financial future, having a strong credit score is crucial. But what about the 30% of Americans who find themselves grappling with poor credit? Don't lose hope – there...

Updated on Mar. 19, 2024

Let's talk money! Today, we're diving into emergency funds and credit – two big players in your financial game. Someone recently asked me, "Joe, can having no emergency fund impact my credit?" ...