Credit Decisions for Dummies

By |2019-02-18T16:28:40-05:00May 19th, 2018|SweetPay|

Let me be clear - In no way are you a dummy! But, how credit decisions are made by a bank or lender can make you dumbfounded. While every person’s credit report has similar data categories – credit limits, account balance, monthly payments, credit inquiries, etc. – what a bank looks at when considering issuing [...]

Making sense of all the rising debt chatter

By |2019-02-18T16:19:15-05:00March 30th, 2018|SweetPay|

Some journalists have been sounding the rising debt alarm bell. While I’m not worried about current debt levels, I do take solace in the concerns being raised, as there was none of that pre-2008. What I will attempt to do in this post is to break household debt down for you.  The Federal Reserve Bank [...]

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