Mick Bernard

Overdraft Protection: Is It Worth The Fees To Cover Your Assets?

Credit Score Restoration is a hot button topic amongst those looking to buy and sell property in Arizona. Credit Repair of blemished records can occur in many ways. One of the simplest methods to get back on track financially is to avoid costly overdraft ... Read >

Never Say Never! Protect Yourself & Your Credit From Identity Fraud

Where Identity fraud is a unlawful change of identity. It indicates illegal activities that use the identity of another person as a target of a crime. Lets make this clear that identity fraud can occur without identity theft. Identity theft wont just r... Read >

5 Common Online Mistakes that Can Compromise Your Identity (and Credit!)

Most people use the Internet every day, without ever thinking of the potential risks to their identity's security. Considering the facts about identity fraud, maybe they should. The Federal Trade Commission estimates that 1 in 6 Americans will be a victim... Read >

Credit Restoration Programs – Are They Enough to Keep You Fee Free?

So you've rehabbed your credit with a credit restoration or credit repair program: you could now be charged annual fees for paying your bills on time. In response to new credit regulations that limit when banks can raise interest rates on credit card and ... Read >

How to Donate Credit Card Points to Haitian Relief Efforts

Are you looking for ways to help out Haitian relief efforts, but short on cash? No problem! Now, credit card companies and banks are making it easier than ever for people like you to make an impact in Haiti by enabling cardholders to donate points to Hait... Read >

New Fannie Mae Rules for Condo Owners

If you own a condominium, townhome or a unit in a Planned Unit Development (PUD), Fannie Mae has announced a new rule that will directly affect you concerning your insurance coverage. In the case of single family detached residences, a basic insurance ... Read >

Pros and Cons to FHA Loans

FHA loans have been helping people become homeowners since 1934. Maybe this government program can help you purchase the dream home you always wanted. Financial instruments come and go with the economic environment, there has been a shift in which k... Read >

Protect Your Credit: Important Tips To Keep In Mind This Holiday Season

With personal debt growing, lack of GDP growth and unemployment in double digits understanding the world of credit is that much more important. If you are one of the lucky Americans that have not been impacted by growing personal debt, you know someo... Read >

Start budgeting for after the holidays, today! Tips to keep your holiday spending under control.

The economic downturn will not stop people from spreading holiday cheer for there friends and family this year. day-after-christmas According to the latest Gallup poll, Americans estimate that they will spend on Christmas gifts somewhere around $6... Read >

Credit Card Penalties: A warning regarding your interest rate in the new year

I received a email recently from an old client the topic was regarding Credit Card increases. Due to the latest legislation that was past earlier this year, credit card companies are trying to do anything and everything they can before the new rules are... Read >

Never Say Never! Protect Yourself & Your Credit From Identity Fraud

Where Identity fraud is a unlawful change of identity. It indicates illegal activities that use the identity of another person as a target of a crime. Lets make this clear that identity fraud can occur without identity theft. Identity theft wont just r... Read >

Can Social Media Affect Your Credit?

In a world where almost everyone seems to have a Facebook, MySpace or Twitter account, it's no wonder financial institutions are itching to get their hands on your personal information. But can your social media pages affect your credit? Surprisingly, the... Read >