Today was a hot day in Los Angeles.  It was over 100 degrees.  I am happy to be at my desk blogging in 74 degrees!  We had talked last time about paying on time every month.  This is HUGE!  Once  you do that for a while, you need to check your credit with Experian, Tra...

Welcome to the month of August.  Parents, enjoy your last days of no school with your kids.  Soon, you will be making lunches, taking them to school, helping with homework (or at least trying.  I don’t know if I am smarter than a third grader anymore), and dealing with...

Why is it so important for you to make your payments on time?  You have to understand that the way creditors judge a score is called a risk score.  That is, how much of a risk are you to go bad with your payments?  When you are currently late with your payment or have...

Blogging on a Saturday night in Los Angeles.  My life is a little slow these days!  But it is helping my credit.  How, you might ask?  This is the second step in our conversation.  It has been an expensive month.  Kids had some unexpected medical bills and my house had...