Does getting married change my credit score?

“I want to get married but my fiance has bad credit, will their score ruin mine? I’ve been told it will –  Never mind! Not ruining my credit!” Slow down, it’s okay. Getting married doesn’t impact your score. Marrying someone with bad credit will not make your score worse. Credit […]


fico chart

What’s NOT considered in your FICO score

I get asked the question “How is my FICO score calculated?” very often. There are many common misconceptions about information that is gathered to make your score. Many people believe personal details and factors weigh against them. Let’s clear it all up here – First off, your FICO score doesn’t […]

What is a FICO score?

Your FICO Score is a service provided to the credit bureaus or “Fair Issac Corporation” Score. It uses information from your credit file to assist banks and lenders to determine how credit worthy you are. The score they give you is supposed to determine your risk of default to a […]


Get Your Tax Refund Fast with Direct Deposit

You’re getting a tax refund – awesome! However you plan to use it, you want to get it fast! Direct Deposit with the IRS is the best way to do this. The great part is you can have your direct deposit put into other types of accounts, not just your […]

The Case Against Giving Children Allowance

I’m going to tell it straight: I am against allowance for children. Raising a child as a single parent worried about paying the rent, daycare, gas, et cetera, didn’t leave room for extra cash to dole out at will. Even a few dollars a week would have been a stretch. […]

Thoughtful Investor

Has someone stolen your bank card information?

Has someone stolen your bank card information? This can be done several ways through Stealing your wallet Copying your card info at a restaurant or bar Online transactions But today let’s look at retail shopping. Were you part of the whole crazy Target/Home Depot/”Insert Retailer name here” skimming bank card/credit […]

3 Things To Do After Your Email was Stolen from Home Depot

Here’s the email I just got this evening from Home Depot. Like I didn’t already have enough problems with my credit card info being stolen. Sure, you could just create a new email and start fresh, but no one wants to do that. Here are three easy things you can […]

home depot email stolen

much ado about red soled shoes

Much Ado About Red Soled Shoes

I have a problem today. I want a pair of shoes. I really (really) want a classic pair of patent-leather, red-soled pumps. Now, for you, go ahead and insert anything into that sentence – a big screen TV, pro Camera, fur coat, whatever it is you’re eyeing. For me, it’s […]