Can you live without credit? Yes, but honestly it’s not fun.  Even bad FICO score is better than no credit score.  When you have no credit history or score, people and businesses don’t know what to make of you.  They are unable to predict what sort of risk you are.  You end up paying A [...]

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I was reading a blog about losing a wallet and then having to run around cancelling card, etc.  The couple thought they had “misplaced” their wallet instead of actually losing it until fake charges started showing up.  Personally?  I always assume if I can’t find my wallet I’ve lost it.  Why?  Because I happen to [...]

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