Melissa founded Insightful Solutions in 2001 in an effort to bring financial awareness as well as time and life management skills to her clients. She helps her clients become more efficient and goal oriented, which in turn leads them to greater job and life satisfaction. Each client has a unique situation, therefore every strategy is tailored to that person or business. Through ethics and integrity, Melissa creates peace of mind for those who hire her.


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Financial Resources

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Daily Money Managing

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Mission Statement

Melissa strives to provide peace of mind through individualized solutions to life’s financial, personal, and business challenges. Read More

Oct 29 2015

Do you know what a FICO score is, or how it’s calculated?  That’s important information to know, as it impacts your life on a daily basis.  


FICO scores are the credit scores created by Fair Isaac Corporation. Virtually all the top lenders use FICO scores to determine weather an individual is a good or bad credit risk.  Your score is a direct correlation to your credit report.  According to Investopedia,your payment history makes up 35% of your FICO score, while your total debt owed amounts to 30% of your final FICO score. Making up the final 15%, 10% and 10% of your FICO score are the length of your credit history, any new credit that you have taken on, and the type of credit you have used.  


A low FICO score means: you can be turned down for an apartment, made to pay a higher interest rate on an auto loan, and have higher monthly mortgage payments.  If you’ve made late payments on credit cards or mortgage payments, defaulted on a loan, or have a high debt-to-credit ratio, every month when you pay your rent, you could be paying a higher price than your neighbor.  Or when you make your monthly car payment, the guy down the street may be paying less than you because he has a higher FICO score.  



Learn how to increase your FICO score.  And ask for assistance if you need help setting a budget, getting spending under control, and for general money questions.  A daily money manager can help with all of these issues.   

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