Newport Beach, California – If you owe everyone and their mother money and are wondering who to pay first, this will help you prioritize the debts based on the consequences you face for not giving them the money...

Newport Beach, CA – Few consumers understand that changing the date their credit card bill is due each month could save them hundreds of thousands of dollars. Yeah, you read that correctly…hundreds of thousands! A client recently attempted...

Our criminal justice system was founded on the premise of being innocent until proven guilty. However, when it comes to the data reflected on your credit report, you are presumed GUILTY until proven innocent. Tens of thousands of...

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...

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...

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...