Jeanne Kelly
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Jeanne Kelly is a nationally recognized voice in credit consulting and Author of The 90 Day Credit Challenge. In addition to serving her clients in their efforts to improve their credit scores, Jeanne has been sought out by real estate professionals, mortgage analysts and journalists for her thoughts and advice on how to best manage your credit portfolio in an ever-changing financial landscape.
Jeanne has been a guest on The Today Show, a number of radio programs addressing credit issues. She has also been quoted in several newspapers, magazines and online financial sites such as CNN, Money, and the NY Times. For more information on Jeanne go to: http://www.TheCreditOwl.com

Blog Entries by Jeanne Kelly

4 Reasons Why You Should Check Your Score (Even If You Don't Plan to Borrow Money in the Near Future)

(0) Comments | Posted May 22, 2012 | 4:34 PM

While in Grand Central waiting for my train home from a conference recently, I found myself in a conversation with the person sitting next to me. At some point early in the conversation, we exchanged the "so-what-do-you-do-for-a-living?" question and I told him that I was a credit consultant. He responded...

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Tax Returns: What Will You Do With Found Money?

(0) Comments | Posted May 17, 2012 | 1:04 PM

I recently cleaned out my car and found some spare change under the seat. It wasn't much -- maybe enough to get a soda -- but it felt like a win because it was money I didn't know I had. It was "found money".

Has that ever happened to you?...

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Are You an Expecting Mom? Here's a Gift You Can Give to Yourself

(0) Comments | Posted May 10, 2012 | 12:48 PM

If you're pregnant, you're about to enter the hectic, frustrating, and wonderful world of motherhood. There will be plenty of tears and joy and dirty laundry between now and when that little life becomes an adult and leaves your nest.

So, while moms are celebrating Mother's Day with cards and...

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Five Spring Cleaning for Your Credit Score

(0) Comments | Posted April 30, 2012 | 11:03 AM

Winter is long gone; summer is just around the corner. It's that time of year when we stretch our legs from winter hibernation, open up the windows, plant our gardens, and do a thorough spring cleaning throughout the house. There's something so inspiring and invigorating about a spring cleaning --...

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How to Hit a Home Run on Your Collections Debt

(0) Comments | Posted April 14, 2012 | 1:46 PM

I love baseball and I'm excited the Yankees' season has begun! I've got baseball on the brain and that inspired me to write this blog.

If you have credit problems and you're facing those annoying calls by collections agents, here's how you can hit a home run to clear those...

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Advanced Credit: How Everything Is a Trade-Off

(0) Comments | Posted April 3, 2012 | 6:19 PM

People tell me that the reason they like using the 90 Day Credit Challenge and working with me to improve their credit is because I keep things really simple and I focus on the fundamentals. But there is a lot more I could talk about, including stuff that is a...

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Inquiring About Inquiries: How to Master the Art of Asking for Money

(0) Comments | Posted March 22, 2012 | 12:03 PM

Recently, a brand new client came to me very puzzled because they had thought they had good credit... until they were turned down for a credit card. They got in touch with me and together we talked about their credit score.

In their situation, their biggest problem was the number...

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In Healthy Credit, Timing Is Everything

(0) Comments | Posted March 14, 2012 | 3:45 PM

A client of mine recently reported back to me that she had been successfully approved for a mortgage. She told me about the experience of going into her bank and sweating buckets at the approval process. Although she thought her credit was good, she was fearful of getting a "no"...

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6 Easy Ways to Deter Identity Theft

(0) Comments | Posted March 12, 2012 | 10:09 AM

Are you really who you say you are? It might surprise you to discover that you're not!
Most transactions of money and information are performed electronically. Although it's quick and convenient, there is also a risk that our information might fall into the wrong hands. If the wrong...

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A Valentine's Day Lesson in Healthy Credit

(0) Comments | Posted February 14, 2012 | 12:19 PM

You need to invest in your relationships so they will grow, same with your credit. I'm not here to give you relationship advice, but as a credit coach I can tell you that I've seen lots of clients face relationship struggles because of their credit. I do not want that...

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4 Lessons We Can Learn About Credit From the Super Bowl

(0) Comments | Posted February 3, 2012 | 5:48 PM

It's the Super Bowl this weekend! Even if you're not a football fan, it's easy to get drawn into the excitement of championship-level sports, or the social atmosphere of hosting a Super Bowl party, or maybe you're one of the many people who watch the game to see the half-time...

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The Secret Equation That Guarantees Better Credit

(0) Comments | Posted January 25, 2012 | 2:34 PM

When my clients first take charge of their financial situations and decide to achieve healthier credit, they are often surprised by the number of errors that exist on their credit reports. Fortunately, many of the problems are often cleared up when my clients dispute the errors by alerting the credit...

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How to Fight the "Holiday Credit Hangover" in January

(0) Comments | Posted January 13, 2012 | 3:57 PM

The holiday season is such a fun time! There are parties and delicious desserts and plenty of gifts. But as fun as December is, it does come to an end.

In January, we resolve to adopt better habits. And if that were the only hardship for January, maybe it...

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It's the Start of Your Journey Toward Better Credit

(0) Comments | Posted December 30, 2011 | 3:37 PM

I love the new year because I love new beginnings: The slate is clean, the path is untouched, the opportunities seem endless! The new year is the start of a year long journey and you're at the part of the trip where you decide where you want to go, how...

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Rely on These Four Professionals for Your Financial Health

(0) Comments | Posted December 27, 2011 | 10:18 AM

When you want to stay fit, you know that exercise and diet are essential. But for anything more serious, you rely on professionals like a fitness trainer, doctor, or chiropractor to help you.
It's not just your physical health that requires the insight of a professional. Your financial ...

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How to Repair Your Credit (Even if You're Really Busy)

(0) Comments | Posted December 13, 2011 | 10:39 AM

A busy life can be stressful enough, but when you factor in the psychological weight of bad credit, our anxiety shifts into overtime. Who has time to deal with bad credit when your day is already jam-packed?

At the end of a busy day, who wants to sit down...

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Make a List, Check It Twice and Have a Debt-Free Christmas

(0) Comments | Posted December 6, 2011 | 6:20 PM

With the holiday season just around the corner, it's that time of year when your credit cards come out of hibernation and play "Santa's Elves" to make sure that everyone in your family gets what they asked for.

It's easy to spend and spend (and spend!) during this season. While...

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Credit Repair Is a Marathon, Not a Sprint -- Here's How to Stay In the Race!

(0) Comments | Posted December 1, 2011 | 3:29 PM

While other people were napping through their Tryptophan-infused Thanksgiving Day, do you know what I was doing? I was running a marathon.

It was a 5K marathon which may not sound like a lot to you Ironmen and Ironwomen, but to someone who hasn't run for (well, let's just say...

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31 Days of Debt: Why Thanksgiving to Christmas Could Ruin 2012 for You

(0) Comments | Posted November 23, 2011 | 10:22 AM

For many families, the Thanksgiving weekend launches a season of fun and family and festivities. There are Thanksgiving events, Black Friday shopping, holiday parties, school concerts and church events... and it all culminates 31 days later when you and your family sit around the Christmas tree and you tear open...

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5 Credit Tips to Help First Time Homebuyers Get a Mortgage

(0) Comments | Posted November 17, 2011 | 2:25 PM

Buying your first home is such an exciting experience! So I was pleased to work with a client recently who wanted to buy her first home but she knew that there was some work to do before she could qualify for a mortgage.

She was working at a good job...

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