Credit scores might be the single most common topic when folks ask questions of me. But when you ask me what your credit score is, I can only answer that you’re asking the wrong question. Let’s take a look. Your Credit Score Depends on Purpose If I run your credit score for a mortgage application,...
What is a Credit Score?
Let’s start here. A credit score is a measure of how likely it is that you will default on the specific credit that you are applying for. The scoring models are based on statistical analysis of an aggregate of everyone who has ever obtained credit. The model looks at the credit histories of those who...
Does Running Credit Hurt Your Credit Score?
Updated 4/23/2026 | Casey Fleming | You’ve no doubt heard that running credit will hurt your credit score. How true is this? Well, kind of. Let’s take a look. First, you should understand the difference between a hard credit pull and a soft one. According to American Express, “(A hard pull) should happen only when...
Build Good Credit to Save Money
You can’t do much about thin credit overnight, but you can establish great credit in a short period of time using these smart strategies.
Win the Bidding War Without Overpaying
5 Keys to Making a Successful Offer Buying a home in Silicon Valley right now is not easy. Listings are scarce and buyers are plentiful. Most homes are selling very quickly with multiple offers. Winning the bidding war can be hell…unless you know the keys to the most attractive offer. Here they are: Be Qualified...