Types of accounts needed when building good credit. Information for improving your credit so you can own your home with rent to own programs.

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Articles

Your 2010 Credit Card Reform...Playing by New Rules Now

Rent to Own by Lori Jake

FICO Scores Are Important

Why You Need Good Credit to Move Forward

Rent to Own Options

Budget Information

	How to Organize Your Finances
	Introduction to Budgeting
	How to Save within a Budget
	Sample Budget For You To Use
	Budgets with a Focus on Saving
	Budget Worksheet (PDF)
	Fixed and Flex Expenses (PDF)
	Budget Goals (PDF)

Renters Insurance

Budget Your Way our of Debt and into Your New Home

Using Automatic Bill Payments to Improve Your Credit

Collections and Judgments

Debt Management Plan to improve your credit

Tips for Negotiating with Creditors to help improve your credit

How to Easily Pull Your Free Credit Report from the 3 Major Credit Bureaus

2010

	January - Basic credit and mortgage information for rent to own homes
	February - Spending Plans; All Things Require a Good Foundation
	March - 12 months to a 720 Credit Score
	April- Tips for Dealing with Collections
	May- May-Know the Risks and Fine Print of Paying Late
	June- Information for When you Do Get Financed.

Archives
2009

	January - Debt Management
	February - What is a FICO score and Starting a Budget
	March 2009- Utilization Rate
	April 2009- Types of Credit Accounts
	May 2009- Rent to own details about FICO scores
	June 2009- Rent to own tips on how to pull your own credit report
	July 2009-Breakdown of FICO
	August 2009- Clearing Up Negative Factors on FICO
	September 2009 - Collections and dealing with them
	October 2009- Credit Reports about Judgments
	November 2009 - Improving your credit score

2008

	January - ABCs of Finances
	February - The Basics of Financing so You get Buy a Home
	March - Payment History
	April - What it Takes to Get a Mortgage
	May - Utilization Rate
	June - General Knowledge You should have about Your FICO Score
	July - Harsh Reality of Credit
	August - The 4 Criteria to Qualifying to Purchase a Home
	September - Changing Mortgage Information
	October - Accountability of a Homeowner
	November - Holiday Spending
	December - Christmas Tips

2007

	January - Requesting Your Credit Report
	February - What are FICO Scores and How do they Affect My Ability to Get a Home Loan
	March - Factors of a FICO Score: Utilization Rate
	April - 25 Most Common Mistakes You Want to Avoid with Your Credit
	May - Payment History; A Crucial Factor in Your FICO Score
	June - Before Buying a Home You Need to Know about Credit Cards and How to use them
	July - When Buying a Home be Aware of various types of loans; Installment Loan
	August - Did You Know that You Have Errors on Your Credit Report that Could be Preventing You From Buying a Home?
	September - Taking Action; Another Way for You to Improve Your Credit and Get a Mortgage
	October - Factors a Lender requires of You when Qualifying You for a Home Loan
	November- What can be Removed from a Credit Report?
	December - Negative Factors on Your Credit Report
	December Bonus - Taking Care of Your Home: Tips for the Winter Season

Tools

	Budget Tool
	First Time Homebuyers Education Seminars 2010 Schedule- Offered for Free

Credit Bureau Information

	Contact Credit Bureaus
	Opt out of Credit Offers

Forms

Universal Mortgage Loan Application

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