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Let’s say it’s 8 p.m. on a weekday. Or 2 p.m. on a Saturday. Or maybe 3 a.m. in the middle of a night when you can’t sleep. Whatever time it is, assume it’s a time when you have an hour or two free — you can do whatever you want. What would you do?

If you’re like me, you don’t always do what you should do — something that would move your life forward, or at least relieve some stress, rather than something that just provides a temporary squirt of pleasure. I may read yet another book about World War II rather than work on an article that’s due. I’ll let myself get sucked down the email rabbit hole instead of transferring that IRA to a better broker. I’ll turn on ESPN a

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You may know how many credit cards you have in your wallet, and how much you owe on each. But do you know what your credit rating is? Or why it might be important? Here’s the low-down on high credit scores.

Credit history matters

Your credit history is looked at by lenders to determine if they want to lend to you or not. The three major credit bureaus in this country (TransUnion, Equifax, and Experian) compile your credit history and share it with the credit card companies and lenders you have submitted credit applications to.

Credit scores are based on your credit history

If you have credit history, you have a credit score. O

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Several years ago I started looking for alternatives to commercial laundry products. I had two main reasons for doing this. First, commercial products were becoming more and more expensive and I was having trouble finding ones that worked well, or at least well enough to justify their price tags. Second, I wanted products that were more environmentally friendly, less toxic, and less wasteful. No more fumes and chemicals. No more big jugs and bottles to recycle and no more one use dryer sheets heading for the landfill. Through a lot of trial and error, I found several recipes and ideas that make every aspect of doing the laundry cheaper and better for the environment.

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What better time to talk about couples and credit than the week leading up to Valentine’s Day? 

Okay, credit may be low on the romance scale next to flowers, chocolates, and anything else that desperate or pressured partners buy each other during this Hallmark holiday. But the truth is, your partner’s credit can have a huge impact on your finances. It’s definitely a topic worth discussing (maybe not exactly on Valentine’s Day, but certainly some time in the not-too-distant future).

To illustrate our point about the importance of credit, we created a hypothetical couple: Kelly and Joe. 

Kelly and Joe are married homeowners with kids, and are losing money each month simply because Joe’s credit isn’t that great. Joe wasn’t so

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The current economy has caused most bad credit lenders to cut back on the number of loans they are making to consumers. Now more than ever it is important that you locate the right dealer for your bad credit auto loan.

Why you should visit us

At Auto Credit Express we’ve spent the past 20 years working with bad credit applicants and helping many of these consumers raise their FICO scores and reestablish their car credit by financing a vehicle with a bad credit auto loan. During this time, we’ve worked in retail dealerships as special finance managers, trained car dealers to do special finance and developed web sites that bring together our applicants with car dealers all over the U.S. and

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