There is a lot of information available regarding your credit. But what exactly does your credit mean? In this article I will discuss three categories. First is your credit score, second is your credit report, and third is your complete credit report with all 3 scores. Your credit score is so important these days, that … Read more
Are you recently divorced or have been divorced for some time? Rebuilding or continuing to maintain your credit after divorce may not seem like a priority right now, especially if you are still healing from the end of your marriage. If you want to finally get a credit card in your name, finance a vehicle … Read more
Are you thinking of the best possible way to improve your credit score? Then definitely it would be wise for you to hire a credit repair company as the professionals of this company are highly experienced in improving the credit score of their clients in the best possible way. Below, we are discussing some of … Read more
One of the best ways to improve your credit score is to request a balance transfer and/or a credit limit increase. Most experts agree that the total balance on revolving accounts should not be maintained more than 30% of the total limit. The balance on any one account should not exceed 50% of the limit … Read more
Since mortgage lenders are businesses, first and foremost, they need to determine ahead of time whether you are creditworthy before approving a home loan. To do this, they need to check your past credit history and look at your current financial situation to reduce your risk on what is typically the most expensive purchase a … Read more
The answer to that question may depend on the specifics of your situation, but we can look at it broadly. To begin with, we need to understand that credit scores are calculated based on a scale of 350 to 850, and higher numbers are always better. The score is formally known as the FICO score. … Read more
It’s a frequently asked question in my office, “How do I improve my credit score after bankruptcy?” It may seem like your credit score has been wiped out when financial disaster strikes, but you might be surprised to learn that you can quickly rebuild your credit to get a job, and raise money for a … Read more
Getting the right credit score has been quite a challenge for many people. However, such a score will guarantee you many things. This means that if your credit score has gone down then you need to go out of your way and work on increasing your credit score. Fortunately, there are ways to get there … Read more
In the last, half century, or so, the numbers and numbers of people using personal loans of some sort have grown and grown considerably! Although the credit reporting agencies, independently publish, how one’s score is calculated, many people appear to be confused about what is required and what is necessary to protect and improve yours! … Read more
Step 1: Pay Your Bills on Time Your payment history accounts for about 35% of your credit score more than any other factor. If you have a history of paying bills late, you need to start paying them on time. If you’ve missed a payment, get current and stay current. Each on-time payment updates the … Read more