# Harry Jacob
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Harry Edwards Jacobs (February 4, 1937 – December 17, 2021) was an American professional football player who was a linebacker in the American Football League (AFL) and National Football League (NFL). He played college football for Bradley University. He played professionally in the AFL for the Boston Patriots from 1960 through 1962, and for the Buffalo Bills from 1963 through 1969.
Why Your New Car Loan Dropped Your Score (And Why That's Normal)
You bought a new car, made your first payment on time, and your credit score dropped 20 to 30 points anyway. What went wrong? Nothing. Harry Jacobs explains the two-part reason every new auto loan temporarily drops your score — the hard inquiry and the new account impact on your average credit age …
The Myth That You Need Debt to Have Good Credit
You've heard it from a friend, a forum, maybe even a financial advisor: you need to carry a balance to build credit. You don't. Harry Jacobs dismantles this expensive myth completely — explaining why the credit bureaus don't see your interest payments, only your behavior, and how you can build and …
Common Credit Mistakes That Cost Good People Great Credit
Good intentions, bad outcomes. Harry Jacobs runs through the five most common credit mistakes he sees from people who are genuinely trying to do the right thing — and explains exactly why each one backfires. Closing old cards to simplify. Cosigning to help a family member. Paying off a credit card …
Cosigning a Loan: The Most Expensive Act of Kindness in Personal Finance
Cosigning a loan feels like a simple act of generosity. It isn't. Harry Jacobs explains why "lending your name" is the most misleading phrase in personal finance — because when you cosign, you are co-borrowing the debt, with 100% liability and no control over how it gets managed. Every late payment…
The Myth That You Need Debt to Have Good Credit
You've heard it from a friend, a forum, maybe even a financial advisor: you need to carry a balance to build credit. You don't. Harry Jacobs dismantles this expensive myth completely — explaining why the credit bureaus don't see your interest payments, only your behavior, and how you can build and …
Common Credit Mistakes That Cost Good People Great Credit
Good intentions, bad outcomes. Harry Jacobs runs through the five most common credit mistakes he sees from people who are genuinely trying to do the right thing — and explains exactly why each one backfires. Closing old cards to simplify. Cosigning to help a family member. Paying off a credit card…
Charged Off Doesn't Mean Gone: The Debt That Keeps Coming Back
"Charged off" sounds like the debt is gone. It isn't. Harry Jacobs breaks down one of the most dangerous misconceptions in consumer credit — what a charge-off actually means, why it often results in two separate derogatory marks on your report for one original account, and what the "re-aging" trick…
Zombie Debt: The Old Debt That Can Rise From the Dead
A collector is calling about a debt from 2011. What they're hoping you don't know could cost you thousands. Harry Jacobs explains zombie debt — old debt past the statute of limitations that collectors can no longer use to sue you, but will still aggressively pursue — and the single most important t…
Fraud Alert vs. Credit Freeze: Know the Difference Before You Need It
Most people who think their credit is protected aren't as protected as they believe. Harry Jacobs explains the critical difference between a fraud alert and a credit freeze — why one is a suggestion lenders can ignore and the other is a full lockdown that stops identity theft cold. Including a real…
The Clancy Prosecution Witness Commits A MORTAL SIN!
The Lindsay Clancy murder trial is nearing its conclusion, and defense attorney Kevin Reddington is turning up the heat on the prosecution’s final expert witnesses.
On today’s Hot Mics with Billy Bush, Billy breaks down Reddington’s explosive cross-examination of forensic psychologist Dr. Kirk Hei…
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