Ilyce starts off her show talking about holiday gifting at work, and specifically for the boss. Ilyce then takes calls on topics from dealing with the IRS on a past bankruptcy to figuring out when to start taking Social Security, while still working. Ilyce also talked about how there is an increased emphasis on allowing consumers who pay their bills and rent on time to use those on-time payments to help improve their credit. the National Credit Reporting Association is teaming up with PRBC (, which is a national credit bureau specializing in collecting and updating what the industry calls “non-traditional” credit (like on-time payment of utility bills, rental payments, etc). If your traditional FICO credit score is low, your PRBC credit score might be higher. Log onto for details on how to use non-traditional credit sources to qualify for a mortgage loan.


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