Updated on Mar. 26, 2024

Hello, fellow financial explorers! I'm Joe Mahlow, your seasoned financial expert, and I'm here to shed light on a crucial financial milestone: the seven-year credit rule. Seven years is a familiar...

Updated on Mar. 25, 2024

Hey there, I'm Joe Mahlow, a financial expert with over 15 years of experience in finance and the credit industry. My passion lies in unraveling the complexities of financial freedom, especially in t...

Updated on Mar. 25, 2024

Hey there, money enthusiasts! Get ready for a super exciting ride through the world of credit scores! I'm Joe, your friendly financial guide, pumped up and ready to explore the mysteries of hitting a...

Updated on Mar. 22, 2024

Hey all! I'm back with another post about the confusing world of credit repair. Today we're diving into whether banks can actually help fix your credit or if they just want to take your money. Spoile...

Updated on Mar. 22, 2024

Hey there, friends! I wanted to share a quick post about something not many are aware of. Let’s talk about how canceling a loan impacts your credit score. I have one client who recently applied for...

Updated on Mar. 22, 2024

Hey man, have you been getting calls from this Credence company? I hear stories from many of my clients who've been there before. Credence is a well-known debt collector. They say you owe them money,...

Updated on Mar. 21, 2024

Collections! Collections! Collections! Almost everyone has debt - so who’s not familiar with the dreaded word collections? Hi guys, it’s me again, Joe—your finance coach! Alright, let's delve i...

Updated on Mar. 21, 2024

FICO scores are widely used by lenders, but they're not the only credit scores out there. Let's explore the differences between various credit-scoring models to understand how they impact your financ...

Updated on Mar. 21, 2024

So, you've probably heard about CreditWise, this handy tool from Capital One, right? With the hype right now in social media, you’ll hear a lot of people talking about it. The biggest question woul...

Updated on Mar. 20, 2024

Talking about Credit Privacy Numbers (CPNs) – those nine-digit codes that promise a shortcut to getting credit. Sounds tempting, right? Thank you for joining me for another insightful discussion. T...

Updated on Mar. 20, 2024

Your credit report reflects your financial health, but hard inquiries can mess it up, especially if they're not legit. But don't worry! With some smart moves, you can kick them out fast. And believe ...

Updated on Mar. 19, 2024

When it comes to securing your financial future, having a strong credit score is crucial. But what about the 30% of Americans who find themselves grappling with poor credit? Don't lose hope – there...

Updated on Mar. 19, 2024

Let's talk money! Today, we're diving into emergency funds and credit – two big players in your financial game. Someone recently asked me, "Joe, can having no emergency fund impact my credit?" ...

Updated on Mar. 19, 2024

Are you grappling with Credit Collection Services (CCS) showing up on your credit report? Ever missed a bill payment and found yourself bombarded with frustrating phone calls? Trust me, you're not al...

Updated on Mar. 18, 2024

Welcome back to our rental journey series. Today, we're diving into a topic that hits close to home for many: renting with an eviction on your record. Yep, we continue the discussion from our previous...

Updated on Mar. 18, 2024

Are you facing the challenge of figuring out "how to get eviction off your record?" If so, you're in the right place. Evictions can really suck, right? It can be super stressful trying to find a new p...

Updated on Mar. 18, 2024

Are you thinking about how to cancel your Credit One card? Closing one of your credit cards can be a smart financial move when done right. On the other hand, this can be a double-edged sword when done...

Updated on Mar. 18, 2024

Hey folks, March is here, and you know what that means – it's tax season! I want to focus on this subject since this can greatly impact your finances. Many of you guys might have thoughts about “...