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? →
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It’s an unfortunate truth that credit reports aren’t guaranteed to be accurate. Research conducted by the FTC discovered that one in four Americans have mistakes on their credit reports that are significant enough to potentially impact their scores for the worse. Even if you don’t think you have a negative item on your credit report, … Continue reading How to Remove Negative Items from Credit Report Before 7 Years →
You want to improve your credit score, 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 score uniquely. The way you handle your repayment … Continue reading Paying Off Collections to Improve Your Credit Score →
When you have bad credit and try to qualify for a credit card, you may feel like you’re stuck in a corner. You can’t get approved, but it’s difficult to efficiently improve your credit score if you don’t have regular payments that are consistently reported to the credit bureaus. Luckily, there are viable options for … Continue reading How to Get a Credit Card with Bad Credit →
Credit cards certainly affect your credit score and the way you use them determines whether the impact is a positive or negative one. Simply having a credit card in your name helps you build a credit history, which can help you qualify for other types of financing later down the road. But your payments, balances, … Continue reading How Do Credit Cards Impact Your Credit Score? →