Bad credit impacts people across the country, but there’s no reason why it has to be a permanent situation. While several factors contribute 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 most significant impact. You need a … Continue reading What Is Credit Utilization Ratio? →
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 →
If you’re shopping for a mortgage to purchase a house, you may notice different lenders advertising the best interest rates for their mortgages. You’ll also start to see that different loan products have different rates. What you should understand before you apply for a mortgage is that not everyone qualifies for those low interest rates. … Continue reading How Your Credit Score Affects Your Mortgage Rate →
When you have bad credit, it might not be something you think about every single day of your life. But when the time comes to get financing or credit, your bad credit score can weigh on your mind day and night. This is especially true when you need to buy a car. For most people, … Continue reading How to Buy a Car with Bad Credit →
