John McConnell
Free
Credit Expert and Specialist Expert
John McConnell Quick Facts
- Main Areas
- Credit, Identity Theft, Lending
- Career Focus
- Author, Speaker, Credit Repair
John McConnell is a nationally recognized Credit Expert and Specialist in Personal Finance. Currently, John's work is focused on editing and providing informative and entertaining presentations about personal finance. He also provides consultation to the private and public sectors on issues involving all aspects of credit repair, crediting, lending, and information security.
Articles by this expert
SelfGrowth articles and saved writing connected to this expert.
Article
An In-Depth Guide on How to Pay off Debt and Improve Your Credit Score in the Process
Ultimate Guide to What Debt to Pay off First to Raise a Credit Score Debt is like weight gain. To many people, an extra treat here and a little splurge there don't seem like real problems. Over time, though, the bits and pieces add up and one day they wake up and say, "How'd that get there?" The good news is that it's never too late. Paying off debt and improving a credit score are two of the most common financial goals. For people who do it right, they can score wins in both goals at the same time.
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Rebuilding Credit After Bankruptcy: Your Ultimate Guide
Are you having trouble getting approved for that midnight blue, 2018 Honda Civic? Been saving up for years to put that down payment on your dream home, but can't seem to qualify for the loan? You're not alone. Bad credit haunts the lives of millions of hard-working Americans like yourself.
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How Does Credit Counseling Work?: 7 Facts You Should Know
On average, every household in America carries over $137,000 in debt. That totals in the vicinity of 1.02 trillion dollars of collective debt. Debt can be something that is a necessity when you run a family and have important expenses that need to be addressed. Debt can also be a byproduct of not understanding how to manage your finances correctly.
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3 Biggest Downsides of Bad Credit
Ideally, all of the decisions we make in life involve consideration of both the pros and the cons of the possible outcomes. For example, the decision to eat a piece of chicken past its expiration date should be based not just on the potential for a tasty dinner, but also the potential for a less-than-pleasant gastro-intestinal reaction.
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How to Read and Understand Your Credit Report
Personal informatio Identifying information is just the basics, such as name, address and social security number. Look over this information to ensure it’s accurate because it is not unusual for there to be multiple spellings of your name or more than one Social Security Number. Your report may also include your date of birth, previous residences, driver’s license number, your employer and your spouse’s name. Don’t worry about this information too much, as it’s all confidential and security-protected. Credit history
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4 Mistakes Young People Make And An Easy Way Out
The phrase money is evil may not mean much when you are young, until you are in debts and you don’t know what to do. That is what’s happening to young people today. The fact that there is no financial education makes young people get out of college sinking deep in debts. And the sad fact is…They realize this when they are between the ages of 30 and 40 years. It is time to break the cycle. It is time to reflect on these mistakes. It is time to get out of them quick and fast. Here are the four mistakes young adult, make…. Defaulting On Loan
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New Bill May Help Improve Credit Score
Inaccurate and antiquated adverse items on credit reports can be extremely detrimental. They can adversely influence a consumer’s credit score, elevate interest rates and even lead them to incur a lot of money in payments they have to make. Yet most credit reporting system players emphasize that the processes, which handle contentious items in the consumer files of the 3-major credit bureaus are improving.
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Credit Karma Free Score: Is It Accurate for Credit Repair?
The importance of regularly checking credit reports is not lost on many people. It remains the fastest and most effective way to monitor your credit score and protect yourself from identity theft. By reviewing your report on a regular basis, you are able to catch any discrepancies early and report them before they implicate you in any criminal activity.
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5 Harmful Credit Reporting Myths
As the world rockets toward an all-digital economy, maintaining good credit is more important than ever. With that said, the use of credit cards has increased for everyday purchases, making them a key to participate in online shopping. A 2015 study by the Federal Reserve Bank of San Francisco found that the share of American retail purchases made with cash dropped from 40 percent to 32 percent between 2012 and 2015. That’s an astonishing eight percent change in just three years!
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