When you get a copy of your credit report, you may be surprised at some of the information that’s actually included. Some of it is negative and can hurt your chances to be approved for credit or loans. It pays to know what information is on your credit report before you apply for a credit … Continue reading How to Remove a Tax Lien from Your Credit Report →
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Many people work hard to maintain good credit and a healthy financial profile. The credit report is like a report card for your finances and it, combined with your credit score, controls almost everything that you do financially. It can determine whether you can secure a mortgage, buy a car, or get a credit account. … Continue reading How Long Do Negative Items Stay on Your Credit Report? →
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 What Is Credit Utilization Ratio? →
It takes credit to get credit, so where do you start when you’re looking to improve your credit score? A secured credit card is a great place to start, regardless of your credit history. Whether you’ve been haunted by bad credit or simply haven’t had much credit at all, using a secured credit card is … Continue reading How to Use a Secured Credit Card to Build Credit →
Credit reporting and monitoring have become ubiquitous in recent years. While credit reports have been used for decades to determine things like interest rates, credit limits, and creditworthiness when applying for a loan or credit card, they’re now used for much more. Many people don’t know that landlords run a credit check when you apply … Continue reading How to Dispute an Error with TransUnion →