It is expected some time in mid-February, Hubbell DuVall’s television advertisements will start to air.

When I financed my first car and home (at roughly the same time) a credit score of 620 got you a competitive rate and a credit score of 700 or above got you the best rates available. That reality exists no longer. Instead, a 700 is three full rate adjustments below the best rates, available to those few with a score of 740 and above, and if you’ve only got a 620, you can forget about obtaining most large extensions of credit unless you want to pay exorbitant interest rates.