Daniel F. Iuculano
Certified Financial Planner ™
Accredited Asset Management Specialist SM
Chartered Mutual Fund Counselor SM
Contact: Dan Iuculano
Phone: (904) 302-8911
Email: danieli@dfi-wealth-mgmt.com
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Services
How to use credit wisely - a common sense guide to credit management and monitoring.
How to destroy your credit - things not to do.
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Closing credit card accounts
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Letting credit cards collect dust
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Running up high balances
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Applying for new credit repeatedly
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Not paying fines or other bills
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Ignoring mistakes on your credit reports
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Making late payments or skipping them entirely
There are three major credit bureaus - Equifax, Experian, and TransUnion and they don't share information. All three offer credit monitoring services for a fee and can be quite costly. Avoid these three agencies, instead go to Annual Credit Report and request your free credit report from any of the three reporting agencies. It is advisable to request a new report every fourth month from one of the agencies alternating the credit bureaus each fourth month. Unfortunately the free credit reports do not include your FICO score which is used by most lenders when determining whether to grant you credit or not.
It is recommended that you request your FICO score at least once a year and just before you make any major purchases like a mortgage or car loan. To request a copy of your score myFICO offers a variety of services.
