Kemi

Recent Posts

How Does Rent Affect Your Mortgage Loan Approval?

When you apply for a mortgage, your lender looks at many things: your credit score, credit history, debt-to-income ratio, and proof of income, for example. Your rental history may also impact a lender’s decision, especially with new Fannie Mae guidelines released in September 2021. Under

How to Buy a House with Student Loan Debt: New Guidelines!

When you’re chipping away at a mountain of student loan debt, buying a house seems like the last logical move to make. That means adding more debt to your stack, right? What’s more, you might think you won’t qualify for a mortgage when you already

When is the Best Time to Refinance?

Mortgage interest rates are at an impressively low rate. Is now a good time to refinance your home? Truthfully speaking, it can be! When interest rates drop, refinancing becomes a hot topic for homeowners who are looking to save money and get out of debt

8 Easy, Clever Ways Everyone Can Save More

It’s true that money isn’t everything. But when rent is due, your pantry is bare, and your direct deposit hasn’t hit yet, a little extra cash can give you a huge slice of peace of mind.  Saving money can make a difference on our personal

9 Personal Finance Tips for Young Savers

It’s widely believed that financial intelligence is, for the most part, hereditary. Think about it: what they don’t teach you in school, you’re left to figure out on your own. Your parents or guardians are most likely your go-to resource, but if their own financial

The Right Way to Use Balance Transfers to Pay Off Debt

Balance transfers are beautiful things. They’re one of the most popular debt consolidation methods that help you get rid of high-interest payments so you can pay off your debt faster. But should you use balance transfers to pay off debt? And if so, how do

The Difference Between Debt Verification and Debt Validation

The collection agency called. What you do next could have a significant impact on your finances and your credit score. If you’ve ever been the target of collections calls and letters, chances are you’ve heard the terms debt verification and debt validation somewhere in the

Your Guide to Credit Card Utilization

Your credit score is a combination of multiple calculations, one of which is your credit utilization rate. Lenders look at how much credit is available to you and how much of your credit you are using as part of their decision-making process. This number matters

Student Loan Forgiveness 2021: Where Do We Stand?

It’s been nearly nine months since President Biden took office, and millions of students and their families are still holding their breath waiting for student loan forgiveness. This was a key pillar of Biden’s campaign, as the $1.57 trillion in outstanding student loan debt is

The Eviction Moratorium is Ending: Now What?

For months during the pandemic, renters were largely safe from eviction. An eviction moratorium prevented landlords from ousting renters that couldn’t pay, which provided a much-needed cushion to millions of Americans who were out of work. That moratorium just recently expired, however. The Supreme Court

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My Credit on Fire Academy is where you'll learn ALL my trade secrets, tricks, and strategies to Soaring Your Credit Scores to 740 and beyond! I'll teach you what do, how to do it, when to do it and how to get the BEST results!
My Credit on Fire Academy is where you'll learn ALL my trade secrets, tricks, and strategies to Soaring Your Credit Scores to 740 and beyond! I'll teach you what do, how to do it, when to do it and how to get the BEST results!