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The right way to cancel a credit card

The right way to cancel a credit card

by Mark Chaffee | Sep 27, 2022 | Credit Scoring Info, Personal Finance

So, you want to cancel a credit card. Whether you should do so and how to complete the task isn’t always so simple, though. Canceling a card requires more than just cutting it up, and retiring that piece of plastic can be either a wise financial move or an unnecessary...
New rules help borrowers with medical collections

New rules help borrowers with medical collections

by Mark Chaffee | Aug 17, 2022 | Credit Scoring Info

Many responsible Americans have struggled with medical debt and been unable to qualify for home financing as a result. But recently, the credit bureaus announced new rules that will improve the credit qualifications of many people with medical debt in collections....
Why you should check your credit reports regularly

Why you should check your credit reports regularly

by Mark Chaffee | Jun 7, 2022 | Credit Scoring Info, Personal Finance

As many as 1 in 3 Americans don’t check their credit reports. Are you one of them? You’re entitled by law to check your reports for free once per year, and as of this writing, free weekly credit reports are available through December 2022. If you’re not already...
What to consider before opening a store credit card

What to consider before opening a store credit card

by Mark Chaffee | Nov 9, 2021 | Credit Scoring Info, Personal Finance

If you’re like many people, there’s a business or several where you shop regularly. Maybe it’s a big box store, your local grocer or a fashion retailer. Because of how much money you spend there, it may seem smart to get a store credit card for promotions and savings....
How to stop the sale of your credit info

How to stop the sale of your credit info

by Mark Chaffee | Aug 23, 2019 | Credit Scoring Info, Financial Fitness

You’re probably used to receiving a steady trickle of credit card, car insurance and other financial offers in the mail. When you apply for a mortgage, however, that trickle can quickly become a deluge of marketing phone calls, emails and letters. Why does this...
Credit Score is Key to Low Mortgage Rates and Costs

Credit Score is Key to Low Mortgage Rates and Costs

by Mark Chaffee | Oct 15, 2013 | Credit Scoring Info

Many people are not quite sure how their credit scores affect their mortgage rate. In the simplest terms, the better your credit score, the better chance you have of qualifying for the mortgage loan that is ideal for you. This could mean better interest rates, more...

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Mark Robert Chaffee (NMLS ID # 22659 (www.nmlsconsumeraccess.org) FL:LO31005 NH:NH22659 VT:VT22659) is an agent of Draper and Kramer Mortgage Corp. (NMLS:2551) an Illinois Residential Mortgage Licensee located at 1431 Opus Place, Suite 200, Downers Grove, IL 60515, 630-376-2100. FL: Licensed as a Mortgage Lender by the Office of Financial Regulation No. MLD494. NH: Licensed by the New Hampshire Banking Department No. 20978-MB. VT: Lender License No. 7090. © 2021 Draper and Kramer Mortgage Corp. All Rights Reserved.