Danny Garcia

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Los Angeles, CA
Take a look behind the credit-score numbers game
Los Angeles Times - By Liz Weston
Dear Liz: I recently got an email from my credit card issuer stating my credit score had just dropped 21 points. Having a good credit score and not aware of any recent adverse actions, my first reaction
Retirement Planning
Hard vs. Soft Credit Inquiries: What's the Difference?
The Motley Fool - Kailey Fralick
One kind of credit check will hurt your credit score. The other won't. There's a common misconception that any credit check lowers your credit score …
Personal Finance
Should You Close an Unused Credit Card? The Answer Might Surprise You
The Motley Fool
If you have an old credit card sitting in the back of your wallet that you haven't swiped in years, you might be tempted to close your …
Real Estate
What Credit Score Do I Need for a Home Loan?
The Motley Fool
You can get a home loan with a surprisingly low credit score, but there’s good reason to aim higher. There was a time when you could get a mortgage, …
Loans
How To Never Get Rejected For Student Loan Forgiveness
Forbes - Zack Friedman
You’ve read the headlines: 99.5% of people were rejected for student loan forgiveness. Here’s what to do about it so you never get rejected for student loan forgiveness again. Student Loan Forgiveness
Product Reviews
What Is a Credit Score?
Wirecutter - Jenny Hoff
Your credit scores—those three-digit numbers that lenders and credit-reporting companies use to quickly assess your trustworthiness in repaying …
Lifehacks
Be Wary of New 'Tricks' for Raising Your Credit Score
Lifehacker - Alicia Adamczyk
Over the past few months, there have been a handful of announcements from credit companies about new “tricks” consumers will soon be able to use to …
What Can You Do With an Excellent Credit Score
The Balance - By LaToya Irby
Your credit score is a three-digit number that businesses use to predict whether you will pay your financial obligations on time or not. Ranging from …
Loans
My credit score is 800. Now what?
USA TODAY
Having a credit score of 800 or higher puts you in an elite tier of borrowers, given that only about 20% of people have a credit score in this range. People who have scores above 800 enjoy extraordinary
The Credit Trick to Try If You're Serious About Home Buying
apartmenttherapy.com
by Brittany Anas A lot of credit-boosting tips we hear are, frankly, pretty darn obvious. Don’t go over your credit limit, don’t pay bills late, check …
See Your Credit Score Jump Up Dramatically With These Easy Tips
Entrepreneur - Phil Town
By making an effort to pay outstanding balances and prevent debt from piling up, you will see a difference in your credit. Opinions expressed by Entrepreneur contributors are their own. In this video,
Here’s the Fastest Way to Boost Your Credit Score
The Motley Fool
Most ways to boost your credit score take several months or more before you see results. Find out how focusing on one scoring criteria can improve …
Home Ownership
The Surprising Financial Milestone That Hurts Your Credit Score
apartmenttherapy.com
by Brittany Anas Maxing out credit cards, falling behind on bills, going into foreclosure—these are all known villains that will slay your credit …
Experts Say This Is the Best Credit Score You Ever Need
apartmenttherapy.com
by Brittany Anas The 800-and-up credit score club is an elite one: 20.7 percent of Americans have reached this upper echelon of credit worthiness, …
Credit scores are getting a makeover. Here’s what you should know
globalnews.ca - By Erica Alini
Credit scores are the linchpin of the consumer lending system — and they’re mostly focused on debt. Banks need to have a way to measure the risk that …
Could You Spell That For Me? Court Grapples With FCRA Implications Of The Surname “E”
natlawreview.com - Womble Bond Dickinson (US) LLP
John C. Hawk IVJurisdiction: 6th Circuit (incl. bankruptcy)Type of Law: Civil RightsFinancial Institutions & BankingConsumer Protection
Is It Bad to Close a Credit Card?
The Motley Fool
There are some good reasons to close a credit card, but there are some drawbacks you should know about as well. Image Source: Getty Images. If you’re …
Here Are the Best Credit Cards of 2018, No Matter What Kind of Perks You're Looking for
TIME - Martha C. White
It turns out 2018 is a great time to be in the market for a new credit card. Sure, interest rates may be on the rise, but with the booming economy Americans are also spending more. That means the competition
3 Simple Ways to Raise Your Credit Score
The Motley Fool
Need to lift that all-important number? Follow this trio of straightforward strategies to start. Image: Getty Images Does your credit score need a …
Find Out How Long Negative Information Stays On Your Credit Report
The Balance - By LaToya Irby
The Fair Credit Reporting Act is the federal law that spells, among other things, out how long negative information can remain on your credit report. …
9 things to know about your credit score and how it's calculated
USA TODAY Money - Robert Powell
More and more Americans are checking their credit and understand how the scoring system works. The percentage of consumers who have obtained at least one credit score over the past four years has risen
Your credit history plays a role in setting your life insurance premiums
USA TODAY Money - Barbara Marquand
Your credit history reveals more than whether you’re likely to repay a loan. Insurers see a connection between how you handle credit and your risk of dying early, and some use credit information to help
Here's How to Understand, Check, and Correct Your Credit History
The Balance - By LaToya Irby
Back in grade school days, there were rumors of a permanent record that would follow you the rest of your life. Teachers intimidated us with warnings …
If You Want to Buy a Home, Your Credit Score Should Be This Number or Higher
Southern Living - Perri Ormont Blumberg
Ready for your new farmhouse or cozy cabin? If you've ever wondered "What credit score do I need to buy a home?" you're not alone. In fact, some 1,300 …
Recovering From a Big Hit to Your Credit Score -- How Long Does It Take?
The Motley Fool - Lyle Daly
Depending on the circumstances, it could take less than a year -- or up to 10 years. While it takes years of diligence to attain an excellent credit …
Here's what happens when you don't pay off your credit card balance in full
CNBC - Kathleen Elkins
Nearly half of Americans have been carrying a credit card balance for two or more years. And the average household with revolving credit card debt …
Credit scores may jump this month thanks to new scoring rules enacted after CFPB study
USA TODAY Money - Jessica Dickler
Starting this week, some consumers may have a higher credit score. Because of improved standards for utilizing new and existing public records, the three major credit reporting companies are now excluding
Does canceling a credit card hurt your credit?
fidelity.com - Adam Levy with The Motley Fool
Will canceling credit cards impact your credit score? Learn about the financial implications of canceling your credit card. If your wallet is feeling …
How Long Can a Debt Collector Pursue Me For a Debt?
The Balance - By LaToya Irby
Dealing with debt collectors can be a harrowing experience, especially if they hound you at home on a major holiday like Thanksgiving. The best …
What Is the Average Credit Score in Your State?
The Balance - By LaToya Irby
The Average Credit Score By State Updated February 02, 2019 Credit scores affect almost every aspect of your life. It's used when you apply for a …

Danny Garcia

Magazines

Marketing To The Affluent

Student Loan Consolidation

New York City

Credit Repair

Flips

Take a look behind the credit-score numbers game

Hard vs. Soft Credit Inquiries: What's the Difference?

Should You Close an Unused Credit Card? The Answer Might Surprise You

What Credit Score Do I Need for a Home Loan?

How To Never Get Rejected For Student Loan Forgiveness

What Is a Credit Score?

Be Wary of New 'Tricks' for Raising Your Credit Score

What Can You Do With an Excellent Credit Score

My credit score is 800. Now what?

The Credit Trick to Try If You're Serious About Home Buying

See Your Credit Score Jump Up Dramatically With These Easy Tips

Here’s the Fastest Way to Boost Your Credit Score

The Surprising Financial Milestone That Hurts Your Credit Score

Experts Say This Is the Best Credit Score You Ever Need

Credit scores are getting a makeover. Here’s what you should know

Could You Spell That For Me? Court Grapples With FCRA Implications Of The Surname “E”

Is It Bad to Close a Credit Card?

Here Are the Best Credit Cards of 2018, No Matter What Kind of Perks You're Looking for

3 Simple Ways to Raise Your Credit Score

Find Out How Long Negative Information Stays On Your Credit Report

9 things to know about your credit score and how it's calculated

Your credit history plays a role in setting your life insurance premiums

Here's How to Understand, Check, and Correct Your Credit History

If You Want to Buy a Home, Your Credit Score Should Be This Number or Higher

Recovering From a Big Hit to Your Credit Score -- How Long Does It Take?

Here's what happens when you don't pay off your credit card balance in full

Credit scores may jump this month thanks to new scoring rules enacted after CFPB study

Does canceling a credit card hurt your credit?

How Long Can a Debt Collector Pursue Me For a Debt?

What Is the Average Credit Score in Your State?