A credit inquiry occurs when you apply for a loan or credit card and authorize the creditor to access your credit report. Once an inquiry is pulled, it is listed at the bottom of your credit report. This allows future creditors to see how much credit you have requested in the last two years. Your … Continue reading How to Remove Credit Inquiries from Your Credit Report →
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Buying a car is a huge financial responsibility, from cash upfront to expensive monthly payments. Both new and used car prices are at an all-time high, so this burden isn’t getting easier for anyone. On top of that, car values don’t always hold with the amount you owe on the loan. As soon as you … Continue reading How to Repair Your Credit After a Car Repossession →
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 low 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 … Continue reading Everything You Need to Know About Your FICO Credit Score →
As lawsuits grow to be more common occurrences, a growth in the number of judgments are being doled out to individuals; especially from collection agencies. This can impact your life in a number of ways, so it’s important to fully understand the repercussions. Hopefully, this information will help you avoid getting to the point of … Continue reading How to Get a Judgment Removed from Your Credit Report →
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 →