Newest Answers

Can You See a Credit Report When You Sign Permission for One?

August 3rd, 2015 | Author:
h

[I]t has become more common for businesses to ask for a credit report before approving an application. Not only for credit cards and loans, but businesses that rent apartments and cars as well as insurance companies require credit reports with applications. You may wonder if you have a right to that credit report, especially if...Continue Reading »

Ways to Improve Your Finances and Your Credit Score

July 31st, 2015 | Author:
h

[S]ometimes it can be difficult to manage your financial responsibilities. You feel overwhelmed and end up trying to forget about the bills you have to pay and the accounts you should reconcile. To simplify your finances and protect your credit score, you should consider doing one or all of the following. Reduce the Number of...Continue Reading »

Why You Should Love Credit Cards

July 30th, 2015 | Author:
h

[P]lenty of people have credit cards. They often use them to make purchases or even to pay bills in between paychecks. However, many people do not really appreciate their credit cards and what they can do. Earn Rewards One of the best reasons to have and use a credit card is because of the rewards...Continue Reading »

Why You Shouldn’t Overlook Your Debt

July 27th, 2015 | Author:
h

[I]f you have been in a debt a long time or have a long-term loan, it can be easy to pretend it doesn’t exist. Even if you make the minimum monthly payments, you may assume you will always be in debt and not even try to become debt-free. Here are a few reasons why you...Continue Reading »

The Benefits of Signing Up for Credit Monitoring Services

July 24th, 2015 | Author:
h

[B]rowse around on the internet and you will find several credit monitoring services. Some of them are free, like Credit Karma and Credit Sesame. Others, such as myFico.com require you to pay a monthly fee for their services. With so many options available, you may wonder if any of them are any good and how...Continue Reading »

Why Credit Scores are Good

July 22nd, 2015 | Author:
h

[Y]ou often hear only of complaints about credit scores, especially of those with low credit scores. It is often seen as a negative part of getting a loan or credit. Many people don’t understand credit scores and hear conflicting information about them. For many people, they have a bad view of scores and credit ratings....Continue Reading »

How Credit Checks Affect Your Credit Score

July 20th, 2015 | Author:
h

[A]lso called inquiries, when someone does a credit check, it can impact your credit score. While it isn’t usually a cause for concern since the change is slight, it can make a difference if you are just a few points away from qualifying for a loan. It may help to understand how inquiries work and...Continue Reading »

Learn about the Three Major Credit Bureaus

July 17th, 2015 | Author:
h

[W]hile numerous companies have credit scoring systems, three bureaus provide information for the vast majority of creditors in the United States. They are: •Equifax •Experian •TransUnion Each one compiles its data and creates credit scores based on unique algorithms. While most people know about these three agencies, they may not be aware of all of...Continue Reading »

Options for Managing Debt

July 15th, 2015 | Author:
h

Having more debt than you can handle is the basic reason for bad credit scores. While this fact can encompass many issues, dealing with debt is the first step to getting your credit score back on track. Some factors of debt that is out of control that impacts your credit include the following: •High credit...Continue Reading »

4 Things Everyone Should Know About Credit Scores

July 13th, 2015 | Author:
h

[W]hile there is a lot of information floating around on the internet about credit scores, not all of it is accurate. Some of it is misleading while some is completely false. While you can’t expect to know everything about credit and the credit scoring system, there are four things that it is absolutely imperative that...Continue Reading »

What to Do When You Plan to Marry Someone With a Lot of Debt

July 10th, 2015 | Author:
h

[W]hen you start planning to get married, you have a lot to think about. There are all of the wedding plans, the decision about the honeymoon location and even where you will live and what “stuff” you will keep. Don’t forget to plan for the financial aspects of marriage as well, which could include marrying...Continue Reading »