Fundamental Issues in Our Credit System

Fundamental Issues in Our Credit System

The credit scoring system in our country was created as a tool to measure risk for lending money to consumers.  The credit score, in essence, was designed using a virtually top secret algorithm that produces a 3 digit number that reflects a...
The Truth about Junk Mail

The Truth about Junk Mail

Newport Beach, CA – Ever wonder how it is that you receive so many offers in the mail?  If your daily pile of mail looks anything like mine, it is likely littered with offers for credit cards, 3rd party car warranty programs, home loan refinancing, reduced...
Customer Service is Dead

Customer Service is Dead

After spending hours on hold with various companies today I decided to write this letter. As if dealing with shoddy internet all day was not bad enough! Now I get to spend over an hour on hold trying to get their technical issue resolved. This is my 7th time calling...