In addition to your credit score, your debt-to-income ratio is a key metric to monitor when calculating your financial wellness. Measuring your debt-to-income can be one of the first steps in determining whether you’re comfortable with your current debt, as well as the extent to which you’re prepared to take on new debt.

Topics: Mortgage, Credit Score, finances, Mortgage Lending

Going through a divorce can be one of the most stressful experiences in life, and if it happens to you, your credit score might be one of the last things on your mind. However, even during these difficult times, the world keeps spinning. And the fact is, divorce can greatly impact your finances and credit history. With close to 50% of all marriages ending in divorce, and divorce finalization taking close to 1 year to complete, protecting your credit along the way is critical to your financial future.

Topics: divorce, finances, Credit Report

December is a time for families and friends to come together over the holidays. However, the last month of the year can also be a big budget buster that can leave you broke and in debt if you aren’t careful.

We have created a breakdown of mistakes smart people make over the holidays that result in January being hard to bear. Avoiding these actions can help you make certain you roll into January with some money left in your pocket and your credit score intact.

Topics: Data Facts blog, wordpress blog, Credit Score, finances, credit cards, Holiday tips, credit history, Budget

Looking for a credit card? If so, you’ll need to shop around. Do some research to compare costs, features and drawbacks before settling on a single card.

Topics: Data Facts blog, lending solutions, Credit Score, finances, credit cards, credit history, FICO

Topics: Data Facts blog, Data Facts, Mortgage loan, Mortgage, finances

You’ve gone to your lender and been approved for a home mortgage. You’ve found the home of your dreams. But just when you are about to close, the lender says you are no longer approved. What happened?

Topics: Data Facts blog, wordpress blog, Data Facts, Mortgage, lending solutions, Credit Score, Mortgage compliance, finances, credit cards, credit history, Compliance, Credit Bureau, mortgage news, FICO

Today, February 14^th is the most romantic day of the year. In fact over 2.2 million people will get married today and millions more will become engaged. Getting married is a wonderful moment in life, but it can affect many things, including your credit. So in the spirit of the holiday that love built, we’ve decided to debunk some credit myths associated with marriage, and its effect on credit.

Topics: Data Facts blog, Data Facts, divorce, Credit Score, finances, Improve Credit Score, credit cards, Credit Bureau

The H.A.R.P. (Home Affordable Refinance Program) program which enables struggling homeowners to refinance their mortgage, whose home value has declined, has extended its application deadline to December 31^st 2015.

Topics: Data Facts, Mortgage loan, MBA, Mortgage, lending solutions, finances, HARP 2.0, FHA, mortgage news

The housing market is improving much faster than anyone would have expected a year ago. Nationally, the prices of homes increased by 10% since February of 2012. However, many in the industry think that this may be cause for concern. They are nervous that the fast pace of recovery will cause another bubble.

Topics: Data Facts blog, wordpress blog, Data Facts, Mortgage loan, Mortgage, Credit Score, Mortgage compliance, short sale, mortgage fraud, finances, credit history, Mortgage triggering, Strong password, FHA, mortgage news

For the past few years, homeowners were able to utilize a tax break (part of the Mortgage Forgiveness Debt Relief Act) when dealing with a short sale. Fortunately for many, this debt relief has been extended until the end of 2013.

Topics: Data Facts blog, wordpress blog, Data Facts, Mortgage loan, Mortgage, Credit Score, short sale, finances, HARP 2.0