Insights from a Credit Bureau Insider

Kevin Haney Credit Bureau InsiderHi – my name is Kevin Haney. For more than a decade I worked as a Sales Director for one of the three major credit bureaus in the U.S.

Now it is time to give back, and share what was learned during this season of my life. The internet is full of information about credit scores, credit reporting, managing your debt, improving your scores. And much of what is written is written by people without the same depth of understanding.

Gain valuable insights about credit bureaus from an industry insider!

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Many recent graduates face a difficult choice. They may have large amounts of student loan debt that may take years to repay. On the other hand they may have a desire to buy a home and start a family at a reasonable age. Explore the pros and cons of paying off student loans before buying…

 

Qualifying for a mortgage requires the applicant to demonstrate a history of creditworthiness, the income to support monthly payments, and sufficient assets to make a down payment and maintain an emergency fund. Student loans can impact getting a mortgage approval. Pay careful attention to each of the three primary mortgage underwriting qualifying criteria, and how…

 

Many elective medical procedures are not covered by health insurance, which makes paying for the treatments very challenging. People with a poor credit history may find financing options very limited. There is one form of medical procedure loans for people with a bad credit history that is often overlooked. This option has many advantages over…

 

Student loans are often a young adult’s first encounter with borrowing. It may also be the largest amount of money many collegians ever borrow. College funding is nothing like dipping your toes into the water; it’s more like drinking from a fire hose when you are least prepared. The choices families make to finance a…

 

If you ever needed health care while uninsured, you might ask the question, “does medical debt ever go away?” You might ask the same question if you had a plan with a large deductible, or if you used an out-of-network provider. The size of left-over doctor, hospital, or dental bills can be staggering and often…