January 8, 2024
Updated: November 29, 2022 Reading a credit report can be intimidating. It holds all of your reported credit history for the last seven to ten years. That’s a lot of information to process and it is easy to see why it can be overwhelming. In this article, we’ll review how to read a credit report. Read more
January 8, 2024
Updated: June 11, 2022 Name one thing that affects your finances, your ability to rent an apartment, your car insurance, and your future job? If you said your credit score, you’d be right. Your credit score is critical if you want credit cards, a loan, or a mortgage. It is just as important in determining Read more
December 1, 2022
Updated: December 1, 2022 Let us introduce our friend Joe. Joe thinks that just because he has good credit habits today his credit is fine. He doesn’t monitor his credit score as often as he should. Unless he’s applying for a credit card or a loan, he thinks those three digits aren’t important. Unfortunately, when Read more
November 29, 2022
Last Updated: November 29, 2022 Note: During the coronavirus outbreak, the 3 credit bureaus allow you to get credit reports for free once a week! A credit bureau, also known as a credit reporting agency, stores, compiles, and evaluates your credit history. Credit bureaus hold information about your payment patterns, balances owed, and how you Read more
October 18, 2022
Your credit score influences a lot more than just what credit cards you’ll get. In this article, we’ll talk about why credit score matters. It can be used in background checks for jobs, in a rental application, and purchasing a car and car insurance. Unfortunately, if your credit is bad, it’s usually enough of a Read more
September 11, 2022
Last Updated: September 11, 2022 It’s common knowledge that eliminating debt improves your credit score and financial situation. To eradicate it, we use what resources we have available. If you possess a significant amount of debt, you may be considering debt consolidation. After all, it sounds like a sensible way to get a handle on Read more
September 11, 2022
Updated: September 11, 2022 If you owe a large debt, debt relief programs sound like a lifesaver. There are countless reasons that people may have gone into debt. Once they are caught in it, the struggle to keep your head above water is difficult, and many people find themselves sinking deeper. What Is Debt Settlement? Read more
September 9, 2022
Updated: September 9, 2022 Negative information is never good. On your credit report, it’s even worse. Lenders see it as a legitimate reason to give you a credit card or loan with a higher interest rate. As a result, you’ll end up paying more for using their credit. When you remove negative items from credit Read more
July 30, 2022
Updated: July 30, 2022 When reading about credit and credit cards, you may see the term “credit utilization ratio.” If you don’t know what exactly a credit utilization ratio is, the whole discussion can go over your head. Worse, you may be missing out on an easy way to improve your credit score. What Is Read more
July 27, 2022
Updated: July 27, 2022 Late payments on your credit report can have a knock-on effect when you next apply for a credit loan. Credit scores are there to show whether or not you can meet your payments on time, so it is only natural that if you have late payments in the past it will Read more