Last Friday, something I have been writing about for years finally happened. Trigger leads have been banned!
The bipartisan Homebuyers Privacy Protection Act (H.R. 2808) is now official. The law doesn’t go into effect until March of next year… so unless you protect yourself and opt-out of being harassed by strange loan officers or I mean, loan officers who are strangers, you will still feel very popular after having your credit pulled.
Honestly, even after this goes into effect, I still recommend protecting your credit by following these steps.
Of course, if you’re thinking about buying or refinancing your home, I am happy to help you!
In today’s digital world, protecting your personal and financial information is more important than ever. One of the most effective ways to safeguard yourself against identity theft and fraudulent activity is by freezing your credit. Whether you’re 
Buying your first home is such an exciting and important time of your life. It’s a big step in creating financial freedom for your future. First homes are often referred to as a “starter home” as people tend to live in the home for a shorter period of time and use the equity they gain from appreciation and paying down the mortgage towards buying their next home. 
Twas the season of spending with American’s splurging over $1100 on gifts this holiday season. Credit card interest rates average around 24% with 
I just received a notice from a local department store that they are INCREASING my interest rate from 24% to 31%! I’m a bit befuddled since the Fed recently lowered the funds rate by 0.50 and I pay off my account monthly. My credit is excellent. I decided to call the 1-800 number on the notice and was told this is an increase “across the board” and they do not have a lower rate to offer me. I enjoy receiving my benefits from using the card and even though I rarely pay interest as the bill is typically paid off every month, I can’t support this rate. I asked if there was anything I could do and she informed me that I have no options…except to no longer use this card. 
When Congress resolved the latest debt ceiling with the passing of The Financial Responsibility Act of 2023, both parties agreed to stop the forbearance on student loans payments. Federally backed student loan payments have been paused for the past three years due to the pandemic. Payments on student loans are set to resume following this September and many are not going to be prepared for this. 
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