Strong credit health begins with knowing exactly what is affecting your credit. The way to find this information is by accessing your credit reports each year. The process is free and relatively easy to complete. We’ll walk you through exactly how to request your free credit reports and what to look for once you’ve received … Continue reading How to Get Your Free Annual Credit Report →
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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 →
There are a number of instances where you might be asked to co-sign a loan. For example, your son or daughter may come to you and ask if you can co-sign a loan with them to get a new car. Perhaps they just graduated from college and have no credit history of their own. But … Continue reading Does Co-Signing a Loan Affect Your Credit? →
When it comes to financial debt, the media has given plenty of focus to credit card debt, student loan debt, and even mortgage debt during the 2007 housing crisis. Medical debt, however, has been largely overlooked, even though it has been a leading reason for personal bankruptcy and affects approximately 2 million Americans annually. It’s … Continue reading Does Medical Debt Affect Your Credit? →
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 →