Newest Answers

How to Create a Plan to Get Out of Debt

September 23rd, 2014 | Author:
h

[I]f you have a large amount of debt, it can be overwhelming to think about. Where do you start? How long will it take? If you have a large goal like purchasing a home, you may think it can never happen. However, if you create a plan for getting out of debt, you will find...Continue Reading »

Best Apps to Help You Manage Your Credit Score

September 22nd, 2014 | Author:
h

[Y]ou have a busy schedule with numerous obligations. As much as you might like to, you don't have a lot of time to spend managing your credit. However, it is essential that you monitor it if you are planning to buy a car or home in the next few months. Apps that you can download...Continue Reading »

Fast and Easy Ways to Improve Your Credit Score

September 19th, 2014 | Author:
h

[W]hen you are looking to improve your credit score, you may think that number will never go up. One mistake and it drops immediately. More than one negative on your credit report, and you may think you are forever doomed. While it does take time to see the ill effects of your mistakes diminish, there...Continue Reading »

Why You Should Know What Won’t Improve Your Credit Score

September 18th, 2014 | Author:
h

[C]redit scores are confusing. It seems that everything you do in some way affects your credit score. However, while this may feel like the case, in reality not everything about you impacts your score. Even if it is reported on your credit account, it won't change your score. Let's take a look at some information...Continue Reading »

Tips to Help You Improve Your Credit Score with Credit Cards

September 17th, 2014 | Author:
h

[Y]ou often hear the advice to get a credit card if you want to raise your credit score. But often no one tells you how, especially if you have a bad credit score and are turned down by credit card companies. These same advisors may not tell you how to utilize your credit cards to...Continue Reading »

Is One Credit Card All You Need If You are a College Student?

September 16th, 2014 | Author:
h

[C]ollege students can benefit from having a credit card before they graduate. It helps them establish a credit history that they will need to rent an apartment or buy a car. In addition, it will help them in the future when they want to buy a home if they have a long and positive history...Continue Reading »

How to Tell That You Need to Fix Your Budget Before Your Credit Score Drops

September 15th, 2014 | Author:
h

[T]he main reason people have low credit scores is because they can't pay their bills. While it may simply be a lack of credit history for some, most people have a separate issue with late payments and unpaid collections. Having a bad credit score doesn't mean you are a bad person or even irresponsible. The...Continue Reading »

How to Improve Your Credit Score to Get a Home

September 12th, 2014 | Author:
h

[I]f you are looking to buy a home and you have been turned down because of a low credit score, don't give up hope. You can take action that will help you qualify for that mortgage. Some of these tips will help immediately while others may take a while. Pay Down Credit Cards Often just...Continue Reading »

A New FICO Score Could Make Life Better

September 11th, 2014 | Author:
h

[T]he new FICO Score 9 was just released, and promises good things for the average person. While this updated model has been talked about for some time, it was finally made public in an announcement by FICO and will be available for lenders and creditors. Changes The main changes in this model are in regards...Continue Reading »

Consider Your Credit Score When Entering a Credit Card Payment Program

September 10th, 2014 | Author:
h

[I]f your credit card debt has spiraled out of control and you are finding it difficult to make even the minimum monthly payments, you may be considering a hardship repayment plan. These plans often lower your payments either by reducing the interest rate or allowing you to pay only the interest. This is designed to...Continue Reading »

Can Getting Married Hurt Your Credit Score?

September 9th, 2014 | Author:
h

[W]hen you are blissfully in love, your first thought may not be about credit scores. You start thinking about wedding invitations and where the reception will be. It's often not until later that you realize how getting married impacted your own credit. For Better When getting married, you probably don't think about the future past...Continue Reading »