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Credit scores and credit reports can impact nearly every aspect of our financial life. Naturally, we want to achieve the best score and report possible to order to obtain lower interest rates, have access to the best services, be competitive for the best housing, etc. Thankfully the credit reporting industry has become much easier to […]

Credit scores can be confusing, especially for those new to the credit world. Today there are more tools than ever for keeping track of, or helping to improve, credit scores. Websites like Credit Karma offer simulations for how credit changes could impact a credit score. What surprises some is that having more accounts can actually improve a

Getting your tenant’s on-time, late or skipped payments reported to the credit bureaus can be one of the most profitable things you do as a landlord or property manager. The benefits go beyond collecting a delinquent tenant’s past due rent.  Here are the top 8 reasons why you should do so.      1. Increase

“Pain felt by landlords is only temporary.” The law of unintended consequences was popularized by a Columbia University Professor considered a founding father of sociology, Robert King Merton. The Professor theorized that unanticipated or unforeseen consequences are the outcomes of a purposeful action not originally intended or foreseen. The consequences can be positive, an unexpected

Not long ago, while house hunting, my wife and I observed several properties proudly proclaiming no HOA on their sale signs! It seemed, at first blush, a benefit, no HOA fees, no restrictive CCRs (Covenants, Conditions, and Restrictions), no domineering, rogue HOA board members. However, we also observed no gated entrance, no sidewalks, no community