

David J. Perrotto
- Jan 7, 2019
- 9 min
Repairing Your Credit Score
Credit score is by far the most important “score” in your life. It is how banks, credit cards, and even car insurance companies rate you


David J. Perrotto
- Nov 13, 2018
- 4 min
7 steps you can use to bounce back from divorce.
Between forty to fifty percent of all marriages end in divorce. Maybe you have gone through it, or chances are, you know someone who has, yo


David J. Perrotto
- Jan 15, 2018
- 3 min
Some basic financial literacy everyone should know
Most people don't know this answer. Is interest on your credit card calculated monthly or daily? If you guessed monthly, for the majority of credit cards, you would be wrong. How is interest calculated? Let's say you're working on paying of your credit card, and your annual APR is 20%, which in your credit lender's books, would make your daily interest rate roughly 0.0548% on whatever balance you're carrying after your grace period. After making a bill payment, you've stil


David J. Perrotto
- Jan 2, 2018
- 4 min
Credit reporting myths and how being misinformed can hurt your credit score
As with most American’s, we use our credit daily, by using our credit cards to build reward points, having a mortgage on the way to home ownership, to having a small business loan to achieve entrepreneurship. Credit scores are constantly on the top of our minds, but for many, poor financial literacy can hurt you for years. A few months ago Transunion did their annual credit literacy survey, The online survey includes responses from 1,002 U.S. consumers age 18 and older, and t