Bad credit is an ever-increasing problem throughout the U.S. Whether it’s from excessive debt or missed payments, the financial burden of a low credit score eventually catches up when it’s time to apply for a loan, credit card, or even a new apartment. Arm yourself with information on what exactly your FICO credit score is, … Continue reading Everything You Need to Know About Your FICO Credit Score →
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Credit cards certainly affect your credit score and the way you use them determines whether the impact is a positive or negative one. Simply having a credit card in your name helps you build a credit history, which can help you qualify for other types of financing later down the road. But your payments, balances, … Continue reading How Do Credit Cards Impact Your Credit Score? →
Negative items such as late payments can leave a lasting impact on your credit report and score. Unfortunately, foreclosures are particularly damaging, even if you’re already recovering financially from defaulting on a former home. While it can be difficult to prematurely remove a foreclosure, it’s not impossible. If you’re close to the date it should … Continue reading How to Remove a Foreclosure from Your Credit Report →
As lawsuits grow to be more common occurrences, a growth in the number of judgments are being doled out to individuals; especially from collection agencies. This can impact your life in a number of ways, so it’s important to fully understand the repercussions. Hopefully, this information will help you avoid getting to the point of … Continue reading How to Get a Judgment Removed from Your Credit Report →
It takes credit to get credit, so where do you start when you’re looking to improve your credit score? A secured credit card is a great place to start, regardless of your credit history. Whether you’ve been haunted by bad credit or simply haven’t had much credit at all, using a secured credit card is … Continue reading How to Use a Secured Credit Card to Build Credit →