Joshua Z. Goldblum, Attorney at Law
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September 2016 Archives

The way you use credit impacts your credit score

You might think that too many credit cards is bad for your credit score, but that isn't necessarily the case. Your credit score -- and usually your debt load -- often depends more on how you use the credit you have than how much credit is available. In fact, the credit reporting agencies base a lot on how much of your credit you've used -- the estimates are that it accounts for 30 percent or more of your score.

Losing your car can lead to a frightening debt cycle

Struggling to make ends meet between paychecks is stressful, and without the safety net of a savings account or other resources, the struggle can become quickly impossible with even the smallest change in circumstances. One such change might be the loss of a vehicle through repossession.

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