Lynn’s blog — page 2
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To Pay or Not to Pay – The One-Offs!
These are the unique credit situations that don’t fit neatly into the usual categories. They’re the ones that make people stop and ask, “Wait, should I actually pay this?” or “What happens if I do?” Now normally I’d s…
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Think Paying That Old Debt Will Help Your Score? Maybe Not…
“Should I pay off this collection from 2020?” Whew—if I had a dollar for every time someone asked me that! It’s one of the most common credit questions I get, and for good reason—it’s confusing!. So let’s break it dow…
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To Pay or Not to Pay – Let’s Talk Charge Offs!
Let’s dig into charge offs—those confusing little credit gremlins that often get lumped together with collections. While they might seem similar, they’re definitely not the same thing. Let’s break it down in plain Eng…
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What You Should Know About Buy Now Pay Later
Lately, I’ve been getting a lot of questions about Buy Now Pay Later (BNPL) accounts—not just from industry professionals, but from friends and clients too. So, I put together this quick guide to help break it all dow…
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Debt Consolidation: What You Need to Know Before Saying “Yes”
Debt consolidation is one of those topics that comes up often. We hear about it on the radio, in ads, or from friends who may have looked into it. But do we really understand when it’s a good option—and when it can ac…
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Credit Freezes, Locks, and Fraud Alerts: What’s the Difference?
Lately, I’ve been getting a lot of questions about credit freezes, credit locks, and fraud alerts—what they are, how they’re different, and when it makes sense to use them. So, let’s break it down in plain English. Wh…
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What You Need to Know About Fannie Mae, Freddie Mac & VantageScore 4.0
You may have seen the headlines or heard a little buzz about changes to credit scoring. Let’s clear up the confusion and get straight to what this really means for homebuyers. What Happened? Fannie Mae and Freddie Mac…
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Why You Get So Many Spam Calls After a Credit Check — and the Good News on the Horizon
What Happens After Your Credit Is Pulled? If you’ve ever had your credit pulled for a loan and then immediately got flooded with phone calls, texts, and emails from lenders you’ve never even heard of — you’re not goin…
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How Much Should You Pay Down Your Credit Cards? Here’s What Actually Makes a Difference
If you’ve ever wondered, “I’ve got some extra money — how much should I pay down on my credit cards to really help my credit score?” you’re not alone.It’s one of the most common questions I hear, and for good reason. …
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Navigating Homeownership After Divorce: Finding Stability in a Fresh Start
A New Chapter, One Step at a Time Divorce is one of those life changes that can shake up everything—your routine, your finances, your sense of what’s next. And when buying a home is part of your fresh start, it’s comp…
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