The Kitchen Table

What the Federal Reserve’s Interest Rate Hike Means for You

  • May 01, 2018

During the Great Recession one of the tactics used by the U.S. economy was an unprecedented move to lower interest rates to near zero, and Americans haven’t seen interest rates much above zero for a decade now. You might…

Credit Repair Tips

  • March 01, 2018

During tax refund time, lots of people start thinking about using that extra cash to help improve their credit. I have the answers to some of the top credit repair questions we receive from folks.

Do’s and Don’ts of Debt

  • October 02, 2017

Debt. The word alone causes most people to shudder, and with good reason. Overwhelming debt is a source of immeasurable misery for many. The crushing weight of debt has the power to hold you…

Medical Bills & Your Credit Report

  • September 01, 2017

The arrival of September is a welcome event for those of you dealing with outstanding healthcare bills. Starting on the 15th of this month, Experian, Equifax, and TransUnion are all going to implement a 180-day…

Call Your Creditor

  • August 01, 2017

Can’t pay your bill? When financial hardship hits or an unexpected expense leaves you short, there are steps you can take to reduce the impact of falling behind. The first thing you should do is contact your lender and…

Credit Checks and Inquiries

  • July 03, 2017

A question that we are frequently asked at LPI is, “If I apply for new credit will my credit score drop?”. Like most things associated with a FICO credit score, the answer isn’t exactly black and white. The impact from…

My Ex Was Supposed to Pay this Account, They Didn’t…Now What?

  • June 01, 2017

Joint accounts can create credit problems long after a marriage ends, and although your Ex-spouse was ordered to pay the bill in the divorce decree, they aren’t and your credit is suffering. Now what? The first thing to…

Summer Fun

  • May 01, 2017

If life was fair, then summer fun would always be free! Imagine trips to the beach and fun at the waterpark…every hour would feel like happy hour! If you are tired of the same old “stay-cation”, then now is…

Tips to Fix and Raise Your Credit Score

  • April 01, 2017

Want to qualify for the lowest interest rates when applying for auto, mortgage or personal loans? Then you'll need a top-notch credit score. Most lenders today rely heavily on your three-digit credit score to determine…

Knowing is Half the Battle

  • January 05, 2017

In the spirit of helping people be more financially responsible in the New Year, I’ve come up with a list of down to earth common sense advice to help you reach your money management goals. 1. Set…

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