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Tom Quinn

CFPB Increases Scrutiny on Nonbanks

The Consumer Financial Protection Bureau (CFPB) launched their nonbank supervision program recently.  So what exactly is a nonbank? It’s an …

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How Credit Card Balances Impact Your Score

A reader, Dylan, recently wrote in with a question for us. He has three credit cards and wants to know …

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Who isn’t satisfied by a good discount—or better yet, a freebie?  Most people I know are, which is why information …

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Credit Q&A: Does Interest Rate Affect Your Credit Score?

Emily from Ohio has been told that if you pay off a credit card with another credit card that has …

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Bankruptcy: A Last-Resort Option

For most people, filing bankruptcy is a last-resort option, deployed when all other debt and finance management alternatives have not …

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FICO-Score-DistributionFEATURED

Given the seemingly daily notice of bad news about the current status and near-term outlook of the U.S. economy, one …

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How "Good" and "Bad" Credit Affect Your Credit Score

Is there such a thing as good or bad credit?  Or is how you use and manage your credit what …

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Credit Score Q&A: Satisfied Judgments and Credit Scores

Matt from Annapolis had a challenging year back in 2007 that severely impacted his credit. At that time he was …

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8 Credit Score Myths Debunked

I have received thousands of questions and comments about credit scores in my 20+ years of working in the credit …

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Refinancing Mortgages Without a Credit Check

On my drive into work last week, there was a segment on NPR’s Morning Edition that reviewed different ideas to …

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Tom Quinn – Credit.com’s Consumer Credit Expert, Tom shares invaluable insight to navigating the often complicated world of credit scoring, credit reporting and credit granting industry practices. Formerly with FICO (Fair Isaac), MDS (now Experian) and Citibank, Tom has more than 20 years of experience in the credit industry and is currently Vice President of Scoring at Nomis Solutions. Reach Tom at creditexperts@credit.com.

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