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 great credit scores don’t happen overnight, you’ll need to gradually build your credit through a variety of different methods. We’ve … Continue reading 12 Ways to Build Your Credit →
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A collection is when your overdue bill is turned over or sold from the original creditor (such as a credit card company or doctor’s office) to a collection agency. The debt is usually sold for just pennies on the dollar. However, the creditor would rather bring in a fraction of the bill than spending the … Continue reading How to Remove Collections from Your Credit Report →
With so many credit repair companies available both locally and online, it can be frustrating to know who to trust. 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 take advantage of individuals in need … Continue reading 5 Signs Your Credit Repair Company is a Scam →
Getting a divorce or legally separating is unpleasant to begin with. The last thing you want to hear is how it can affect your credit. But it’s something you should understand, especially if you have recently initiated or concluded divorce or separation proceedings. The good news about divorce and credit scores is that divorce doesn’t … Continue reading How Does Divorce or Legal Separation Affect Your Credit? →
No matter what your credit score looks like, you need a place to live. But if you’re struggling with bad credit, having your rental application chosen out of many can get tricky, especially if you live in a competitive area. Luckily, you don’t have to let a low credit score get in the way of … Continue reading How to Rent an Apartment with Bad Credit →