Michael Bovee

The last couple decades has seen an ever increasing rise of reliance on credit in this nation. From the huge and grotesque government twin deficit to the consumer’s ever increasing desire to buy, there has been no shortage of spending.Up until...

Authorized User trade lines on your credit report will soon, no longer be factored into your FICO score model.Becoming an authorized user (AU) on an established credit account that has a long and positive history has been effective for years in...

So, I’m sitting in a restaurant doing the typical American “night out” with the family. I keep seeing our waitress run to and from the tables with credit cards and receipts when it occurs to me that I’m the only one paying in...