Sentences with phrase «consumer credit expert»

We tend to trust consumer credit expert John Ulzheimer's more practical breakdown above, where bad credit is a score under 650 and excellent credit is anything above 760.

Banks» reluctance to modify mortgages and at least keep homes occupied with people paying on the loans may appear self - defeating, but reveal the difficulty they have coping with the scope of the problem, said Chris DeRitis, Ph.D., a consumer credit expert at Moody's Analytics, a West Chester economic research and consulting company.

If you have a life insurance policy or disability insurance, «you might already have all the coverage you'll need in the event of a crisis,» says Beverly Harzog, consumer credit expert and author of «Confessions of a Credit Junkie.»

Your first step, therefore, should be to check your credit report, says Beverly Harzog, consumer credit expert and author of «The Debt Escape Plan.»

Doing so — even for a store credit card like Target's or Macy's — triggers a hard inquiry on your credit report, which can ding your score by up to 5 points, says Beverly Harzog, a consumer credit expert and author of «The Debt Escape Plan.»

Actually, applying for a new credit card can ding your score by up to 5 points, says Beverly Harzog, a consumer credit expert and author of «The Debt Escape Plan,» because it results in a «hard inquiry» on your credit report.