Robert McKinley Professor Cardworthy

Robert McKinley Resurrects Professor Cardworthy

Professor Cardworthy, the “Money Explainer” of all things financial, was resurrected by Senior Payments Analyst Robert McKinley, reprising his role first developed in 2007 as the actor in a series of 50 “Cardworthy” YouTube consumer instructional videos. The 2007 project was shelved while Mr. McKinley was in a cancer battle and later placed on hold…

Free Tax Filings

Free Tax Filings, Terrible Tariffs & Home Prices Dip

Free tax filings were not widely known among low-to-medium income taxpayers as some commercial tax preparation services did their level best to hide them until the IRS got pissed. Trump’s trade war has made every American a loser to some degree, small to big, but nonetheless, losers. Despite demand for housing and low rate mortgages,…

Freeze Credit Files Stops Hackers

Free Credit Report Freezing Arrives One-Year After the Massive Equifax Hack Attack

Starting today, credit report freezing is available to all Americans for free with the top three credit reporting agencies (CRAs): Equifax, Experian and TransUnion. Up until yesterday it generally cost $5 to $10, depending on your state of residence, to lock your report with each CRA, unless you were a victim of a credit breach…

Telecoms Plugin CRAs as Big Hammer to Collect on Past-Due Bills — Impact to Credit Scores Minimal

Nearly one out of four U.S. consumers, who are delinquent on telecom services, such landline or cell phone, cable, and internet, have discovered the collection activity listed on their credit reports.  While the telecom collections item on a consumer’s credit record will not help their personal credit score, the change in score before and after…

Credit Reports Now Bigger Threat to Security Clearances Than a Vengeful POTUS

The Department of Defense (DoD) now has 24X7 “eyes” on your credit file looking for past-due bills, excessive debt, collection activity and/or a high debt-to-income ratio that could jeopardize your clearance status.  Ironically, the President of the U.S., who has a long documented history of stiffing vendors, bankers, and employees, recently issued a directive that…

Text-for-Credit is Not a Joke – Wave for the Future

Credit card reporting agency Experian has unleashed Text for Credit, an industry-first technology that transforms the way consumers secure credit.vText for Credit modernizes the lending industry by allowing consumers to obtain “real time” credit via text.  Text for Credit allows consumers to initiate and complete the credit application process within minutes with a simple text…