Strong credit health begins with knowing exactly what is affecting your credit. The way to find this information is by accessing your credit reports each year. The process is free and relatively easy to complete. We’ll walk you through exactly how to request your free credit reports and what to look for once you’ve received … Continue reading How to Get Your Free Annual Credit Report →

If you’re shopping for a home loan to purchase a house, you may notice different lenders advertising the best interest rates for their mortgagees. On top of that, you’ll start to see that different loan products have different rates. What you should understand before you apply for a mortgage is that not everyone qualifies for … Continue reading How Does Your Credit Score Affect Your Mortgage Rate? →

Not only does a charge-off look bad on your credit report, it can also keep you from getting approved for loans or credit cards. While getting a charge-off removed from your report is difficult, it’s certainly not impossible. The key is to know what to do and what not to do before you start the … Continue reading The Ultimate Guide to Removing Charge-offs from Your Credit Report →

There are a number of instances where you might be asked to co-sign a loan. For example, your son or daughter may come to you and ask if you can co-sign a loan with them to get a new car. Perhaps they just graduated from college and have no credit history of their own. But … Continue reading Does Co-Signing a Loan Affect Your Credit? →

Bad credit impacts people across the country, but there’s no reason why it has to be a permanent situation. While there are a number of factors contributing to your credit score, one of the most important is the level of debt you owe. However, simply reducing your overall debt might not have the greatest impact. … Continue reading How to Increase Your Credit Score By Reducing Debt →