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Break These 4 Bad Habits to See Your Credit Score Improve in 2015

January 26th, 2015 | Author:

[M]any people make resolutions at the beginning of the year only to find that they are broken by the middle of January. It can get discouraging, especially if your resolution was to improve your credit score. Instead of just focusing on what you should do, you also need to think about what you must stop...Continue Reading »

5 Top Apps to Improve Your Credit in 2015

January 23rd, 2015 | Author:

[I]t’s a new year and you have new goals to get your credit in order. Maybe you want to buy a house or a new car or you just want to stop the collectors from calling you. No matter what your reason is for improving your credit, these apps can help make it easier. 1....Continue Reading »

Why Maxing Out Your Credit Cards is Bad for Your Credit Score

January 22nd, 2015 | Author:

[N]ow that the holidays are behind you, the focus may move to paying off your credit cards. They probably took a hit during the busy shopping season and may even be maxed out. If this is the case, you want to make paying them down quickly a top priority. Otherwise, you may find out that...Continue Reading »

Understanding Credit Scoring Systems

January 21st, 2015 | Author:

[Y]ou check your credit score and are impressed to see that it has raised to 640 after a lot of hard work. You go apply for a loan or credit card and are turned down. In the rejection letter, it states that your credit score was only 583. Why the discrepancy? Can you trust any...Continue Reading »

Special Credit Scores that Impact Your Life

January 20th, 2015 | Author:

[Y]ou know that credit scores are used to predict your likelihood of repaying a loan or paying off any credit obligations such as a credit card. Did you know that there are other types of scores that use nontraditional information to make certain determinations? These are secret scores that may be used by certain companies...Continue Reading »

Not All Credit is Good for Your Credit Score

January 19th, 2015 | Author:

[Y]ou’ve been approved for a new credit card. Now your credit score will surely get a boost. While this is most likely the case if you use your credit card responsibly, not all credit is good for your credit rating. Here is a look at some credit that can actually hurt you or at least...Continue Reading »

Bad Habits to Break to Get Out of Debt and Improve Your Credit

January 16th, 2015 | Author:

[A]t the start of a new year, the focus is often on establishing good habits, goals and resolutions. Just as important is breaking bad habits that have put you in your current position. Sometimes, it is just as necessary to resolve not to do something as it is to create resolutions that say “I will”…fill...Continue Reading »

A New You in the New Year: Why Your Credit Score Should Matter in 2015

January 15th, 2015 | Author:

[A]s you make all kinds of resolutions to improve your life, you don’t want to forget about your credit score. Now is the time to resolve that you will get your credit rating on track and improve your score. There are several reasons why. Buying a Home If you have been dreaming of buying a...Continue Reading »

Should You Consider Alternative Lenders When You Have Bad Credit?

January 14th, 2015 | Author:

[O]ne of the worst effects of having a bad credit score is that you have a hard time getting a loan. Whether you need to buy a car or consolidate your debt for lower payments, most lenders will turn you down. Even people with scores around 600 find it difficult to get approved. If your...Continue Reading »

Why You Should Make Improving Your Credit Score a New Year’s Resolution

January 13th, 2015 | Author:

[T]he beginning of a new year is often the time when people make resolutions to change something. It may be to lose weight, quit smoking, start exercising or a host of other things that will improve their lives. One thing you should put on your list of resolutions is to improve your credit score. This...Continue Reading »

The Basics of How to Have Good Credit

January 12th, 2015 | Author:

[I]f you are looking to improve a bad credit score, you have probably read countless articles on the subject. You may have taken notes, reviewed steps on improving your score and even considered using one of those companies that promises to improve your score. While all of that information can get confusing, having good credit...Continue Reading »