Charles Juntikka

June 9, 2016

How To Find Your Real Credit Score

The free credit scores you see on television and the internet are okay for generally tracking your credit. But, sometimes these “free” credit scores can be way off and wrong. If you want your real credit score if you are buying a car, applying for a mortgage, renting an apartment or applying for a job – […]
May 19, 2016

Consumer Reports – A Reliable Tool for Product Reviews and Rankings

Did you know about an organization called Consumer Reports? They are an independent, nonprofit organization that serves consumers through unbiased product testing and ratings, research, journalism, public education, and advocacy. Consumer Reports is by far the best consumer rating agency. Since 1936, the company has been committed to empowering consumers with the knowledge they need to […]
May 2, 2016

Consumer Financial Protection Bureau Shuts Down Fraudulent Student Debt Relief Firm

National student loan debt is currently at a staggering $1.3 trillion. As this figure continues to grow, so does the percentage of accounts that are delinquent and in default as more and more borrowers suffer under this overwhelming debt. In an effort to provide relief to borrowers, the government has launched several federal loan assistance programs. […]
April 11, 2016

Taxes Are Due Monday, April 18, 2016, NOT Friday, April 15, 2016

Did you know that your tax return deadline is later this year? The Internal Revenue Service has given most taxpayers three extra days to file their federal income tax returns this year. “Instead of April 15 as the drop-dead day for taxes to be completed and postmarked – or, increasingly, electronically filed – it’s April 18. […]
April 11, 2016

Looking For Your Tax Refund? Here’s What You Need To Know

The IRS says that it issues 90% of taxpayer refunds in less than 21 days.  According to Forbes magazine, here is how you can check the status of your refund: “If you’re wondering about the status of your refund, check out the “Where’s my Refund?” tool at When the IRS processes your tax return […]
January 27, 2016

Watch Out For People Trying To Steal Your Tax Refund

It is tax time again. We want to remind you to watch out for thieves trying to steal your tax refund. More and more Americans are finding that someone has taken over their identity to file a fraudulent tax return in their name and collect the refund check. In a recent year,1.6 million taxpayers were hit […]
January 5, 2016

Avoid Fraud: Protect Your Passwords To Protect Your Identity

Almost every other month a major bank or department store announces that their user database has been hacked. Hackers use stolen passwords and other data to try to illegally access victims’ credit and banking information. Here are a few tips on how to protect yourself: Use Different Passwords For Different Websites People tend to use the […]
December 14, 2015

Websites That Take Your Orders But Never Ship Them

Many consumers order holiday gifts on the Internet this time of year. However, it is important to be cautious of online shopping sites that are not mainstream. Did you know that there are some unscrupulous people who set up reputable looking websites to rip people off? Some even have good reviews but they take your orders […]
November 2, 2015

The New “Chip” Credit Cards: What You Should Know

Swiping your credit card could soon be a thing of the past. Banks have been sending out new chip-enabled credit cards that have to be inserted and held in a credit card reader to complete a transaction. These new cards look similar to your old credit cards, but now have a small metallic chip on the […]
October 7, 2015

Beware of Scams by Credit Repair Companies

Almost everyone knows someone who is struggling with credit problems.  Sometimes, people turn to companies that offer “credit repair services” for help.  If you know someone who is thinking about using one of these companies, tell them to be careful.  Over the years, we have seen some of our clients ripped off by so-called “credit repair […]