1 Trillion Dollars of Student Loan Debt. All Time High…

The CFPB says, “Outstanding student loan debt has now crossed the $1 trillion mark. Student loans have eclipsed credit cards as the leading source of U.S. household debt outside of mortgages. This is a major issue for students, recent graduates, and their families”.

National Association of Hispanic Real Estate Professionals - a great group of Realtors I am privileged to be associated with.

National Association of Hispanic Real Estate Professionals - a great group of Realtors I am privileged to be associated with.

Of course, this is a big DUHHHH……, but the articles explains a little about the problem, and ways to overcome it.

Just for coffee lovers! Have you had yours yet? Have a great weekend. - Blair Warner

Just for coffee lovers! Have you had yours yet? Have a great weekend. - Blair Warner

Morning Greeting on Flickr.

Morning Greeting on Flickr.

Will Mortgage Rates Change in 2013?

image Mortgage Rates: Naughty or Nice? (via Total Mortgage Services)

Mortgage rates are caught in a balancing act between all-time lows and meaningfully higher levels this holiday season.  Economic data released over the past few weeks suggest that rates should be heading higher, yet the uncertainty that surrounds the fiscal negotiations in Washington and its impact…


 

Upgrade My Credit   http://upgrademycredit.com   Blair Warner 817-886-0302 ext.3

Why did my credit score drop so much?

Hey Blair,

I am so frustrated. At the start of the year, my credit score was 780+.  I maxed out my cards back in February with Rich Dad training and various mentor programs.  In July, I paid off $20k of the debt.  Shortly after I paid off the $20k, three credit card companies lowered my limit from $5000 to an average $1000, so I’m sure that hurt my credit further by increasing my card utilization back up above 90%.  I have no foreclosures or bankruptcies and I have over 10 yrs of positive payment history, yet now my score is below 590. Is this large of a drop possible?  

Attached are the Experian report and the CreditScore.com trimerge report.  Hope it sheds some light.

Thanks for taking a look!

I will address some the the issues in this situation in other posts. Stay tuned.

Check us out at http://upgrademycredit.com or call 1-888-586-2261

Empire State Building divides the city. Cool!

Notice, half the city is lit up and half is without electricity, and the Empire State Building stands as the divider. Really cool!  I did not take this, but I know it was not altered  just possibly filtered with Instagram.

#sandyaftermath   #NYC   #nycphotography   #HurricaneSandy

Tags: NYC Sandy

Pay your credit card bill a few days before your cycle date each month, and do…

Tags: credit tip