Your credit score is a single number that can make or break the quality of your life—from renting an apartment and qualifying for a mortgage to getting approved (or denied) for a new job and finding attractive home and auto insurance rates.
Therefore, it's important to know what factors go into that three-digit number, how you can improve your credit score, and what you can do to protect it.
Read MoreYour credit report may not seem very important, but in reality, it can impact your finances and even your career prospects. Whether you're applying for a loan or searching for your next job, there are many situations where a positive credit history can help you get ahead of the competition. Adverse credit history can make it challenging to get approved anywhere from renting an apartment to buying your next car or even landing an internship – and the effects can last long after the adverse events. So, how can you keep your credit report up to date??
Read MoreWhen you are reviewing your credit report what happens if you find something incorrect? You can file a dispute directly with the creditor or your can write something called a 609 dispute letter.
Read MoreThe goal of all debt is to pay it off and be done with it. But did you know that paying off a loan or credit card can actually hurt your credit score?
Read MoreOf the many things that make up your credit report and credit score, late payments play a big part. If you are trying to rehabilitate your credit and get past some late payments, how long do you have to wait until they disappear from your report?
Read MoreYour credit score and credit report are snapshots of your overall financial activity and financial health. Every payment you make, every credit card you apply for and every loan you have taken out are reflected there. So with that in mind, how can you improve your score?
Read MoreCredit is easy to ignore until it isn’t. Nearly a third of Americans have credit scores of 601 or lower, which is considered bad credit. Aside from applying for a mortgage, how does that score actually affect you?
Read MoreWhen you have decided to tackle your damaged credit it may seem like an insurmountable feat, after all it took years of damage to get to that point. But even the worst credit isn’t a lost cause, you can always recover your credit to a point.
Read MoreCredit is something that affects every one of us but how many of us actually know how it works? Before embarking on a journey to a good score it helps to understand what credit is and what it tells banks about your financial history.
Read MoreIf you have a credit card you probably have some sort of monthly credit score monitoring on your online account dashboard. The number probably doesn’t change too much but sometimes it does - a lot. How do you figure out why the number changed?
Read MoreKeeping your credit in good shape means understanding what it’s made of. Grab a copy of your credit report and dig in!
Read MoreIf you are looking to buy a house or make an important financial move your credit score becomes an important reflection of your credit history and reliability. But what exactly is considered a good score?
Read MoreOne key path to better financial standing is better financial understanding. When was the last time you saw your credit report?
Read MoreNot every person who walks into a real estate or mortgage brokers office is qualified to buy a home but some of them are only a little bit of financial help away. Wouldn’t you like to help more of those people rather than turn them away?
Read MoreThere are many factors that go into determining your credit score. One of the biggest factors is your credit utilization. Your credit utilization ratio makes up about 35 percent of your credit score - one of the biggest factors along with payment history.
Read MoreYour credit score is made up of a myriad of factors to determine your credit health. What role do on-time payments play in that formula?
Read MoreOwning your own home is a big part of the American dream. When you are ready to take the plunge there are a few steps in the beginning that can determine where you may end up.
Read MoreYou don't have to look very far to find a lender dying to get you to sign up for one of their credit cards regardless of your credit score. But how can you find the best one for you in a sea of options?
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