Newest Answers

When a Personal Loan Helps Your Credit Score

October 31st, 2014 | Author:
h

[Y]our goal may be to try to get out of debt and improve your credit score. However, if you are working on getting a better credit score, you may want to use debt to help you reach that goal. One way to do that is to get a personal loan. Not all personal loans are...Continue Reading »

What You Need to Know about Credit Score vs. Mortgage Rate

October 30th, 2014 | Author:
h

[I]f you are dreaming of buying a home but your credit is not in good enough shape to qualify for a loan, you are probably working to get it to some magic number. That magic number can change based on current lending guidelines. In the past it was 580 and then with the housing crisis,...Continue Reading »

Protecting Senior Citizens Credit Scores

October 29th, 2014 | Author:
h

[M]ost people consider themselves to be pretty savvy when it comes to internet scams or even direct mail. As a result, they are not usually the target of these scam artists. Instead, it is those people that have not been around internet fraud or direct mail campaigns all of their lives that are most vulnerable....Continue Reading »

Moves to Help You Have a Clean Credit Score

October 28th, 2014 | Author:
h

[I]f you are trying to clean up your credit score and keep it clean, you need to make some major moves. It involves a change in lifestyle that can not only help you now but for the future as well. For those who have trouble sleeping at night with money worries or are so frustrated...Continue Reading »

How to Get a No-Credit-Card-Required Credit Score

October 27th, 2014 | Author:
h

[G]etting your credit score isn’t easy. You can’t get it when you get your free annual credit report – unless you want to pay for it. You don’t always get it when you request a report after being turned down for a loan or credit card. When you do have a chance to get your...Continue Reading »

Does Where You Shop Matter for Credit Score Tracking?

October 24th, 2014 | Author:
h

[Y]ou may wonder if your favorite store is good or bad for your credit score. Or maybe you shop at a lot of stores and you worry that it might not look good for your credit. The truth is that it doesn’t matter where you shop as long as you pay your credit card bills....Continue Reading »

Is Rent-to-Own a Good Option for Buyers with Bad Credit?

October 23rd, 2014 | Author:
h

[I]t is still the American dream for many to buy a home. Even after the housing crisis, many would-be first-time homeowners are browsing through the listings to find the place they want to call home. Because of the housing market collapse, it has gotten more difficult for many to qualify. Low credit scores are one...Continue Reading »

How Your Landlord or HOA Can Ruin Your Credit?

October 22nd, 2014 | Author:
h

[H]ave you got a bad landlord or homeowner’s association? You ask for repairs when something breaks or the building is poorly maintained. It is frustrating to deal with so when you move, you decide to “teach them a lesson.” You fail to pay last month’s rent or your association dues. Failing to pay even when...Continue Reading »

How to Raise Your Credit Score More Than 100 Points in One Month

October 21st, 2014 | Author:
h

[Y]ou’ll see this claim a lot when you start researching how to improve your credit score fast. Companies make promises that you will see major results in no time. These claims sound fake to many people but for those desperate to qualify for a home or other major purchase, it may seem like a dream...Continue Reading »

FICO Score Up to 692 for National Average

October 20th, 2014 | Author:
h

[T]he average FICO score went up back in April of 2014 to 692. While it falls in the range of average credit, it is on the high end. Prior to the recession, the average score was 690. Increased Responsibility Two major factors are being attributed for the jump. First, people are being more responsible with...Continue Reading »

Could Congress Help You Get a Better Credit Score?

October 17th, 2014 | Author:
h

[H]ave you ever lamented over past mistakes that just won’t go away? You made poor decisions in the past or an unfortunate situation happened and you are paying for it years later. Legislation that is being proposed to Congress may change things for people with lower credit scores. In this legislation, changes would be made...Continue Reading »