After high school, most people have vague ideas about credit scores and credit reports. Good credit means shiny credit cards and new clothes, while bad credit means you work at a low-end job and, worse, drive to it with an old car. After college, the concept of credit clears and solidifies, but only slightly. It’s … Continue reading What Is a Bad Credit Score? →
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When you have bad credit, it might not be something you think about every single day of your life. But when the time comes to get some sort of financing or credit, your less-than-perfect credit score can weigh on your mind day and night. This is especially true when you need to buy a car. … Continue reading How to Buy a Car with Bad Credit →
When you find an error on your credit report, it can be alarming because you realize that your credit score could be suffering from a negative item that you don’t deserve. Thanks to the Fair Credit Reporting Act (FCRA), it’s your right to dispute any incorrect or out of date items listed on your credit … Continue reading How to Dispute an Error with Equifax →
If you’re shopping for a mortgage to purchase a house, you may notice different lenders advertising the best interest rates for their mortgages. You’ll also 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 those low interest rates. … Continue reading How Your Credit Score Affects Your Mortgage Rate →
With so many credit repair companies available both locally and online, it can be frustrating to know who to trust to help you with bad credit. The Fair Credit Reporting Act was enacted to help protect consumers by allowing for a robust credit repair process. Unfortunately, it opened the door for some unsavory companies to … Continue reading 5 Signs Your Credit Repair Company is a Scam →