Your credit score has such a big impact on so many aspects of your life. This number is a reflection of how you spend and manage your money and how risky it would be for a lender to give you a loan or a credit card company to provide you with a card. Your score … Continue reading How Does Credit Repair Raise My Credit Scores? →
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At least once a year, you should review your credit reports from the three credit bureaus to ensure all your financial account information and payment history are accurate. Outlining Your Dispute Letter Occasionally, there might be a reporting error on your report that requires correction to properly reflect your credit score and history to prospective … Continue reading How to Write a Credit Dispute Letter →
When you’re working on repairing your credit, it’s smart to know how your credit information is collected so you know where to go to look for improvement. Credit reporting agencies are private companies that collect certain types of data to create your credit report. Lenders, credit card companies, and other creditors then access this information … Continue reading What Is a Credit Reporting Agency? →
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 Your Credit Score Affects Your Mortgage Rate →