Tag: creditreport

Offense Doesn’t Need to be Offensive

Pulling credit. For numerous reasons, when I’m in the middle of taking a mortgage application, and I ask the borrower for her/his social security number, I often get these responses: “Do you really need to pull my credit?” “Can we wait to pull my credit until . . . ?” “I’m not comfortable giving that […]

Credit: Crush or Be Crushed

Canceling Credit Cards, is this a good or a bad idea? Often, when someone has clawed and dug their way out of debt, they destroy their credit cards and cancel their accounts.  Many do this because they blame the credit cards and look at them as plague-carrying rats.  In other words, they fail to acknowledge […]

Don’t Trust Whispers

  When I was a young whippersnapper, I played a game with my fellow whippersnappers –both boys and girls –called Telephone Line.  I’m sure most of you have played this game in one form or another, whether it was called “Telephone Line” or something else.  You would sit in a circle –the more people the […]