Is your credit score not as high as you’d like it to be? If so, you may have heard of becoming an authorized user on another person’s credit card account to boost your credit score. If you want to qualify for a better rate before you buy your next car or lock in a mortgage, … Continue reading What Are Authorized User Tradelines? →

A credit report freeze is an excellent tool you can use to help protect your identity as well as your financial health. With credit and identity fraud running rampant today, it’s important to have a well thought out plan to help you keep your reputation unscathed. As part of your strategy, consider implementing a credit … Continue reading How to Freeze Your Credit Report →

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 →

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 →