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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A car repossession happens after a series of missed payments and the lender believes you (the borrower) will not get “caught up” in a timely manner. The exact process and timeline depend on specific state laws and auto loan policy that dictate when your vehicle can be repossessed. If you’ve missed one payment, you don’t … Continue reading How Does a Repossession Affect Your Credit? →
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 poor 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 →
You want to improve your credit scores, but you have outstanding debts to a collection agency. Before you pay it all off, take a few moments to evaluate your personal situation. Different types of debts should be handled in different ways because they each impact your credit scores uniquely. The way you handle your repayment … Continue reading Paying Off Collections to Improve Your Credit Score →
When you’re working on increasing your credit score, it’s important to know how exactly the scoring process works. That way, your financial decisions can be guided by what’s best for your wallet as well as what’s best for your credit score. Whether you’re trying to rebuild credit after a tough period, or want to get … Continue reading Why Are My Equifax, Experian & TransUnion Credit Scores Different? →