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Ronnica Rothe is a graduate with honors from the University of Oklahoma and a current student at Southeastern Baptist Theological Seminary. She works with Personal Financial Network (pfni.net) to help individuals get out of debt and reach their financial goals.
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 Credit Scores: More Complicated Than You ThinkIf you are a consumer in the United States, chances are you have a FICO score. FICO stands for Fair Isaac Corporation, the brains behind the formula used to score personal credit by the three major credit bureaus: Equifax, Experian, and TransUnion. Fair Isaac does not release the formula, but some helpful details of how the scores are figured are known. Massachusetts Debt CounselingPeople in Massachusetts are no less prone to debt and credit problems than people elsewhere in the United States. The cost of living in the state adds to the debt that the average resident carries. If you live in Massachusetts and find yourself in this situation, you are not alone. There is help available. Rethink Your Spending HabitsToo many of us struggle with debt because we live above our means. This can be kept up for some time using credit cards and creative finances, but at some point your debt will get the best of you. Eliminating Debt is not ImpossibleYour credit card debt situation may seem impossible to overcome. Yet as you sit at home watching the Olympics, you see athlete after athlete overcome obstacles and topple world records in ways that would never have been thought possible even 20 years ago. While you probably never will win an Olympic medal, with the right strategies and information you can eliminate debt from your life. How Do I Review My Credit Report?If you don’t know what is on your credit report or what your credit score is, you may want to review your credit report. This is especially important if you want to make a large purchase or apply for a new credit card in the near future, but reviewing your credit report on a semi-regular basis will keep you aware of your credit history and let you know if you have become a victim of identity theft. Credit score information can also help you understand what your credit score and report means. What is a Reverse Mortgage?If you are lacking funds but have a lot of money tied up in your house, you may be considering a reverse mortgage. In some situations, a reverse mortgage can be a good option. But before taking the plunge and stripping your house of equity, you will want to find out more about this product and its advantages and disadvantages. How Do I Choose a Credit Counseling Organization?There are an increasing amount of people that can benefit from credit counseling as they see their credit tank and their debt skyrocket due to financial decisions and the economy. But how should you go about choosing a credit counseling organization? Here are a few helpful tips. Establishing Credit Helps Build Financial StabilityOne of the problems many people find when they first go to make a large purchase such as a car or house is that they do not have the necessary credit in order to receive financing. This does not mean that they have bad credit, but they have not proven that they are responsible with credit to any potential lenders. Don't be Foolish - Sign That Credit CardThe other day I got in a conversation with a friend about whether or not to sign the back of your credit card. She had heard that is was always best not to sign the back of your credit card as that would give you an out with the credit card company if the card was used fraudulently. Credit Counseling in PennsylvaniaMuch like the rest of the country, Pennsylvania residents are struggling with their credit card debt. As if mounting debt were not enough, gas and food prices have gone up exceeding inflation. This means that more Pennsylvanians are relying on credit cards to make ends me than ever.
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