Vision Credit Education, Inc.

Your FICO score is used by lenders to make decisions about whether to extend you credit and at what terms. While you can always buy your credit score, what you are getting may not be the same FICO score used by lenders. In fact, it may just be a useless number that only indicates what your actual credit score likely could be. Read the rest of this entry »

With tighter credit, those who have little income and poor credit scores have been shut out of most lending opportunities. We would expect that the higher income households would fare much better and they have, but not that much better. A sizable percentage of higher income households were still denied credit according to a recent survey. Read the rest of this entry »

Major credit card companies have begun lowering credit limits for many of their cardholders as a way to reduce their exposure to potential losses. As a result of these credit limit reductions, your credit scores can deteriorate to the point that other creditors take notice and act in an unfavorable way. Read the rest of this entry »

Event Dates: Monday and Tuesday, February 16 and 17; Thursday and Friday, February 19 and 20

(Raleigh) The Ready to Rent program returns to the South Wilmington Street Center beginning Monday February 16. Please note that there is a break on Wednesday in which no class will be held. Read the rest of this entry »

Many credit card issuers have begun raising interest rates on cardholders that have never been late. In fact, many cardholders claim to have good credit, yet still are facing what they deem unwarranted increases in their interest rates. There is a relatively unknown reason for this high-risk classification however. Read the rest of this entry »