First impressions are important. In the financial realm, your credit score and credit history are the first and possibly only impression a potential lender, employer, or landlord has when deciding to approve your application. Since good credit scores don’t happen overnight, you’ll need to gradually begin building credit through a variety of different methods. We’ve … Continue reading 12 Ways to Build Your Credit →
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It happens to the best of us. You blithely open your credit report, just to take a look… and encounter something you hadn’t expected to see. Fraudulent accounts or activity history is scary enough. But, public records can be even more sinister. They have far-ranging implications for your ability to get a loan, secure a … Continue reading How to Remove Public Records From Your Credit Report →
When you have bad credit and try to qualify for a credit card, you may feel like you’re stuck in a corner. 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 credit bureaus. Luckily, there are viable options for … Continue reading How to Get a Credit Card with Bad Credit →
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? →
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 to Improve Your Credit Score →