About

Welcome to my Credit Blog!

As a professional I have watched as credit scores have emerged as one of the single most important factors in determining a person’s ability to get the best value from every financial commitment they make. Everyone knows that a strong credit score is the key to a favorable home loan or car loan, but did you know that insurance companies now pull your score to determine the type of policy to offer you? Did you know that prospective employers may very well use your credit score as a deciding factor a factor for whether or not you will be offered a job?

The decision-makers who have the power to positively impact your life and your finances all use your credit score as the main decision-making tool. As a result, your understanding of the makeup of your credit score and the factors that impact that score is crucial. In response to the increasing weight the credit score carries, I have elected to educate myself on the subject of the credit score and methods for its improvement. In doing so, I can provide you with the important information you need to understand your credit score and how you can improve it.

Some of the aspects I will be blogging about include: what makes up the credit score, how spending affects credit, preventing identity theft, how to recover from a mortgage or financial crisis, and most important how to improve and maintain strong credit reports and scores. So if you would like me to let you know when new articles are posted, be sure to subscribe by entering your email address to the right and clicking on the subscribe button.

As your trusted professional, I am looking forward to keeping you informed on important credit issues that and helping you learn more about the components that make up your credit reports and how you can improve and maintain the best possible credit scores to realize your financial dreams.

All the best,

Howard Holtzman
First Bank Mortgage
(314) 205-3195 Direct
www.YourMortgageHomeTeam.com
howard@yourmortgagehometeam.com

Legal Disclaimer
The goal of this site is to provide accurate and useful information with regard to the subject matter covered. It is designed to help you focus on goals and actions that are important to address in credit improvement and maintenance. The site is intended to provide general guidelines that are for informational purposes only and is provided with the understanding that the author of the site is not engaged in rendering legal services or in providing specific legal advice. If legal advice is required, the services of a competent legal professional should be sought.