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Should you apply for a retail store credit card?

For starters, a retail store credit card is a physical charge card that gives you credit for a specific retailer.  The amount of credit given can vary depending on your current credit score. More


Should I apply for a retail credit card?

For starters, a retail store credit card is a physical charge card that gives you credit for a specific retailer.  The amount of credit given can vary depending on your current credit score. More


UltraFICO

Consumers with low credit scores may soon have a way to boost that three-digit number! A new product is supposed to become available in Summer 2019 and it will be geared towards consumers with low cre


4 Financial New Year's Resolutions

It’s a situation familiar to many Americans: After indulging


Protect your Identity

Identity Theft is quickly becoming one of the most organized


Tips for Retirement

Here are a few tips to consider at different phases of life to make sure you are on the right track to retirement readiness. If you're in your 20s, yo


How Many Credit Scores Do I Have?

Often we hear from our clients that they checked their credit score through a free site such as Credit Karma and were shown a high credit score but ye


Getting out of Debt in 2017

Getting out of Debt in 2017 The holidays have come and gone.  This time of year is a great time to think about goals for the new year. Make the commit


IRS Phone Scams

There are a number of different phone scams that are currently going on, including people claiming to be the Internal Revenue Service (IRS).  These types of scams are normally very sophisticated


Saving for Summer Vacation

During the summer no one wants to stay inside. To ensure that you will be able to enjoy your summer to the fullest, here are some tips to help plan ahead. These are important to make sure that you are


What's in your Credit Score?

                                                     How a FICO Score breaks down   35%- Payment History 30% Amounts Owed 15% Length of Credit


Do Credit Checks really hurt your Credit Score?

Do credit checks really hurt your credit score? Have you ever heard someone say that every time someone checks your credit history it will lower your


Time for Improved Credit Card Security?

Is it time for the US to Improve Credit Card security? The United States has been lagging behind other countries in improving credit card security.


April is Financial Literacy Month

April is Financial Literacy Month Have you ever found yourself at a dinner party or social event, contemplating whether the next topic of conversation should be religion or politics? For most, the ans


Defending Creditor Lawsuits

  By Frank J. Borgese, Esq., Partner at Graham & Borgese, LLP   Default Judgments- Every month in New York State there are tens of thousands of lawsuits filed by alleged creditors ("pl


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