Credit Archives - Judith Heft & Associates

Credit Score Update

by Judy Heft | Sep 27, 2022 | Credit

When we’re just about done in the hiring process, we check the applicant’s credit — with their express permission. For a company like ours, which serves in a fiduciary role, it would not be in our clients’ best interest to hire someone with bad debt, or do...

What Is A Financial Advisor?

by Liz Levy | Jan 26, 2022 | Consumer Issues, Daily Money Management, Finance

A lot of people get bookkeeping and financial advising mixed up. Here at JHA, we don’t advise you on how to make more money, we count and organize the money you already have. The art and science of investing is actually done by financial advisors. With a financial...

Buy Now, Pay Later

by Liz Levy | Jan 19, 2022 | Consumer Issues, Credit, Daily Money Management, Finance

There’s a new acronym in town. BNPL stands for “Buy now, pay later,” and it’s totally different from traditional credit. You may have seen some new logos popping up next to some products in online stores — names like Affirm, Afterpay, and Klarna. These BNPL...

Credit Scores And How They Impact Your Financial Life

by Judy Heft | Dec 10, 2021 | Consumer Issues, Credit, Finance

Your credit score is one of the most important measures of financial health. It tells lenders how responsible someone is with their finances. Good credit is the key to better deals on everything from insurance to mortgages. A FICO credit score is a number between 300...

Credit is Essential

by Judy Heft | Oct 27, 2021 | Consumer Issues, Credit, Divorce, Finance

Your credit score is vital to your financial well-being, yet so many of us don’t even know what it is. Keeping track of it is important, especially if you’re at a transition point in your life. For example, a divorce never results in a decrease in spending — the...