Thursday, July 3, 2008


At some point in your life someone has likely asked you this question (and if someone hasn't, it's just a matter of time before someone does): how's your credit? You'll be asked that question in a variety of scenarios. Interested in buying a car? How's your credit? Interested in buying a home? How's your credit? Interested in financing your high-priced law-school education? How's your credit? You want that dream job? How's your credit? You get the point. The question – how's your credit? – is among one of the most important questions you'll be asked during your lifetime. What's more, the answer (which you'll answer hundreds of times) will very likely determine whether you are welcomed or dismissed by those asking the question. So, credit -- good and bad – matters.

Unfortunately, too many of us were never taught how to manage our credit lives. Indeed, we're taught our multiplication tables; we're taught how to tie our shoes; we're taught how to ride a bike; and we're even – sometimes – taught how to balance a checkbook. But we're rarely ever taught the nuts and bolts of credit – even though credit is just as important as any of the other essential things we do in life.

To be sure, we've seen our parents whip out a credit card to pay for something. We've seen our parents, in a variety of situations, use credit cards. If you are anything like me, though, you never asked your parents about the inner-workings of credit. The only thing you cared about, insofar as credit went, was making sure the card wasn't declined when mom or dad was purchasing that particular item for you. Beyond that, you didn't much care. And therein lies the problem: because we didn't care, and because mom and dad had a lot of other things to worry about, credit education was relegated to taking a backseat to other types of lessons we were taught. Learn how to read. Check. Learn how to operate the computer. Check. Learn to brush your teeth. Check. Learn how to keep your credit score high enough to ensure you won't be foreclosed from opportunities. Don't feel bad. Not many of us learned that particular skill, either.

That's okay, though -- it's never too late. Indeed, there's always today.

Having good credit isn't difficult to achieve. Whether you make a ton of money or make very little, having good credit is something that anyone can attain. But having good credit – and maintaining it -- doesn't just happen. It requires planning and it requires education.

Which is where this blog comes in. It's my aim to fill in the missing pieces -- or to teach you something from scratch. Mostly, though, this blog is about teaching you all that you must do to attain (or maintain) good credit. Best of all, most of my writing is rooted in personal experience. There's no guessing for me. I know what works -- because I've actually done it.

I'll be exploring a host of topics -- ranging from credit scores to credit cards.


  1. Fantastic!!! Very nicely done!!

    I found my way here from

    Keep up the good work!

  2. Awedio, thanks for reading, pal. is a fantastic resource. Glad that you could make your way here.

    In the meantime, always feel free to comment in any of my blog entries. I love the interaction.

    Take care.

  3. Well I'm done. I just finished reading most of the posts except I did it backwards :)

    Thanks for taking the time and sharing your knowledge. I have learned alot about credit over the past 3 years having filled BK and rather then be embarrassed about it, I get excited when people talk to me about credit. Only frustrating thing, as you know, they have alot of misinformation that has been instilled in their brains somehow. Yahoo answers perhaps? lol I know you'll get this joke. But very seldom does someone take the time to really understand why something is the way it is. But it's the one person who really cares and asks me questions that gets me excited and worth the wait.

    So once again thanks for sharing with us all the great posts to come and I look forward to every one of them.

  4. Hk, you are very welcome. I appreciate you taking the time to get comfortable with my site. These were some of the first columns I wrote. There wasn't a lot of traffic back then. Some of these posts likely never got read.

    Anyhow, I look forward to you becoming a regular contributor to the blog. Comments are always welcome.

  5. Credit Matters,

    You have been linked:

    So, how's it feel to finally hit The Big Time? LOL!


  6. Vibe, I was wondering who Virgil on route 11 was. I saw that link about four days ago. I monitor my traffic and saw the referral from that site. What's really funny is that I was going to email you. HOWEVER, there is no way to email Virgil!

    You have eliminated, as far as I can tell, any way to get in touch with you. And I was not calling the Union City post office!

    Meanwhile, I am a San Diego Chargers fan. Here's hoping that we crush the Raiders today.

  7. Credit Matters,

    I had my email address on a second website, but I had switched ISPs. When I switched, I had to close it. I'm thinking of Windows Live Spaces for the second website.

    The Raiders are going to humiliate the Chargers today. LOL!

  8. V, thanks for the link, by the way.

    And, sorry, your Raiders are going down!!

  9. Very sorry Chargers effort today. But I will still take the win.

    Goodbye, Kiffin.

  10. GRRRRRR!...

    Yep, it's now Raiders' bye week, perhaps in more ways than one!


  11. Yes. Bye bye. For both.

  12. I walk away a little more attuned each time I read your blog-Thanks!!!

  13. You are welcome, Anon. Glad you are enjoying the blog!

    Thanks for the readership.

  14. What a fantastic source of information!!

  15. Marshall, glad you like it. Be sure to come back often.

    This is a friendly place.


  16. I stumbled across your blogs a few weeks ao, and very quickly became an addict. I have learned so much from this site, but have a long way to go.
    I was wondering if you could tell me, what is the best way to get your FICO score. I am terrified of scams, and any help that you could give would be so appreciated.

  17. Anon, you'll notice a ad in several places on my site. Indeed, there is a myfico link right above the comment box where you type your message. Click one of the myfico ads and, voila, you'll be on your way to getting your FICO scores. Be sure to use this discount code at checkout: CPPSAVINGS. You'll save 20% on your scores.

    By the way, by using the ads on my site, I'll receive a small commission. Just FYI.

  18. I linked your blog on my blog:
    Hope you don't mind.

  19. I don't mind, JG. I was gonna shoot you a note about your blog. Even though it's new, I like what you have so far. Keep it up. Might want to change some of the color schemes, though. A bit tough to read (for me).

  20. I'm still making my way through your posts. Great stuff. I love the bailout cartoon. Hilarious. Would appreciate if you would check out when you get a chance.

  21. Wow this is great information, thank you so much. I wish ther was a way to get the info from your blog to more people. I'm curious what is the highest FICO score you have ever heard of ? I was able to "reach" 845 last year by paying off my credit card balances before the statement dates.

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