A personal finance blog where you can get help with financial questions from a former loan officer and financial counselor.

Owner: dapperdollar

Listed in: Finance

Language: English

Tags: personal, finances, money, credit, loans

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Latest Blog Posts for The Dapper Dollar

  • Credit Score Statistics
    on Jun 16, 2010 in Credit Scores
    On average, today’s consumer has a total of 13 credit obligations on record at a credit bureau. Of these 13 obligations, 9 are likely to be credit cards and 4 are likely to be installment loans. 77% of all consumers have never had a loan or accoun...
  • What Isn't Part of Your Credit Score
    on Jun 15, 2010 in Credit Scores
    Race, national origin, sex, marital status, and age are all things that have zero impact on your credit score. Additionally, your salary, length of employment, occupation and employment history have no bearings on your credit score, although these t...
  • What Determines Your Credit Score?
    on Jun 14, 2010 in Credit Scores
    The formula used to determine your credit score is a highly guarded secret. I certainly do not know the formula, but I do know what items it looks at and what things are considered more important. The following will give you an idea of the items yo...
  • What is a Credit Score or FICO Score?
    on Jun 13, 2010 in Credit Scores
    You have probably heard of a FICO or credit score before. The name FICO came from the company, Fair, Issac and Company that developed a mathematical formula to determine an individual's credit risk. Basically, a math formula based on items in your cr...
  • How Do I Check My Credit Report?To check your credit report, you need to request a copy from the credit bureaus. Remember that businesses can choose which bureau they report information to. They could report to just one of the bureaus, all three, or even no bureau. So don't expe...
  • Why Should I Check My Credit Report? 2- To Get Errors Corrected
    on Jun 11, 2010 in Errors Credit Report Credit History
    Sometimes items will show up incorrectly on your report not because of identity theft, but because of mistakes and human error. If a bank employee accidentally keyed in your social security number when reporting to the credit bureau instead of the p...
  • Why Should I Check My Credit Report? 1 - To Stop Identity TheftYou should check your credit history or credit report regularly, even if you don't think you have any credit history or aren't planning on borrowing anything. The reason why is that checking your credit report is one of the best ways of stopping iden...
  • Why Should I Check My Credit Report? 3- To Make ImprovementsThe last reason to check your credit history is so that you can work on making improvements to it. This is especailly important if you are planning on taking out a big loan, such as a mortgage, in the future. When you get a copy of your credit repo...
  • What Is a Credit Report?The most common financial questions I am asked always have to do with credit reports and credit scores. Most people know these things are important, but aren't clear on how everything works. In this and the next several posts, I will go over what you...
  • An Introduction
    on Jun 9, 2010 in Introduction
    This blog is intended to help you with your personal finances. I will be covering a variety of topics ranging from how your credit score is determined to how to save money on groceries. Feel free to e-mail me any questions, suggestions or tips at dap...
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