When you have bad credit it can be challenging to qualify for a credit card. You can’t get approved, but it’s difficult to efficiently improve your credit score if you don’t have regular payments that are consistently reported to the three major credit bureaus. Luckily, there are viable options for you to not only get … Continue reading How to Get a Credit Card with Bad Credit →
Maintaining your credit score involves lifelong financial behaviors, but improving your score doesn’t have to take forever. It won’t happen overnight, but a few smart decisions can turn a bad score in the opposite direction. Depending on what kind of items you have on your credit report, it can take months and sometimes even years … Continue reading How to Rebuild Your Credit →
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 How Does Co-Signing a Loan Affect Your Credit? →
If you have struggled with getting loans because you have poor credit, then you have probably started looking into other ways to get the financing you need. One of the options you will most likely run into is a subprime loan. Subprime loans are generally for people without a stellar credit history. Sometimes lenders that … Continue reading What Is a Subprime Loan? →
Bad credit impacts people across the country, but there’s no reason why it has to be a permanent situation. While several factors contribute 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 most significant impact. You need a … Continue reading What Is Credit Utilization Ratio? →
