by Scott Gentry | Jul 9, 2024 | Credit, Credit Repair
(Updated 11/28/24) Your credit report might look like it just stepped out of a wrestling match—dings, bruises, and a few uninvited scars. Don’t sweat it! Redemption is always possible, and with a strategic approach, you can transform your credit report from a chaotic... 
by Scott Gentry | Jul 3, 2024 | Building Credit, Credit Basics, Managing Debt
(Updated 11/28/24) What is credit utilization, and why do we feel you need to understand this when buying a home or vehicle? Believe it or not, this single factor can make or break your credit score. So grab your compasses and maps as we explore the depths of credit... 
by Scott Gentry | Jun 25, 2024 | Building Credit, Credit Basics, Credit Repair, New Auto Loans, Used Auto Loans
Buckle up, because getting an auto loan with bad credit can feel like trying to run a marathon in flip-flops. Sure, it’s tricky, but it’s absolutely doable with the right game plan. Ready to rev up your financial engine? Let’s hit the road and break it down into... 
by Scott Gentry | Jun 25, 2024 | Building Credit, Credit Basics, Credit Repair
(Updated 11/26/24) Credit scores: a mysterious number that feels like a secret handshake to financial adulthood. It can influence everything from where you live to what car you drive—but it’s also surrounded by myths that confuse more than they clarify. Let’s tackle... 
by Scott Gentry | Jun 21, 2024 | First-Time Homebuyer, Getting a Mortgage, Mortgage Basics
(Updated 11/28/24) Navigating the home-buying process can feel overwhelming, especially when it comes to understanding mortgage rates. These seemingly small percentages have a significant influence on your monthly payments, total loan cost, and overall buying...