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How To Build Good Credit As A Young Person

One of the first steps to true independence is developing a strong sense of financial responsibility. The moment you start earning any money at all is the ideal moment to learn about money management, budgeting, and the importance of good credit. 694 more words

First-Time Homebuyer


Although there are many credit-scoring systems in use today, the most well-known scoring system is the FICO score developed by Fair, Isaac and Company. There are three major credit reporting agencies — Equifax, Experian, and Transunion. 476 more words

Money Tips

Credit Report

When I was six… well… you know…

Ben: Dad, do you have any marks on your credit report?

Me: Yep, I have a few.

Ben: When I am an adult, I am going to be very careful so that I don’t get any marks on my credit report.


Applying For A Home Loan

The process of applying for a home loan reveals a great deal of your personal financial information that you might otherwise wish to keep private. Most lenders use a standard form with fields for identifying information, the property description, income, assets and debts from all applicants. 931 more words

Expert Advice

How To Improve Your Credit Report

I love the featured image above.  Our world arranged out of credit card fragments.  A fitting design as our world is awash in credit these days.   529 more words

Expert Advice

"Reflections from HF's Summer Intern" By Vivian Liu.

Hello! Guest writer here. My name is Vivian, and I spent this summer interning at Holberg Financial. I’ll be starting my second year of college at the University of Chicago this fall. 562 more words

Financial Fun Facts

Own a Business? Be Prepared - Monitor Your Credit

Your personal credit score can be very important when seeking employment, obtaining some types of insurance and getting a business loan. Whether you are starting a new business or looking to expand a business, chances are you will need to obtain a loan to fund your plans.   224 more words

Business Start Up