Newest Answers

Little Known Facts about Credit Scores

August 26th, 2014 | Author:

[A] lot of information is available about credit scores and credit ratings, but not all of it is true. Some of it may be misleading while other information is completely false. Here are a few facts that may be misunderstood. Credit Scores Change Constantly Even if you pull your credit score one day and the...Continue Reading »

Boosting Your Credit Score By Removing a Debt Collection

August 25th, 2014 | Author:

[I]f you have done any research on credit scores, you probably know that one of the worst things to have on your credit report is a collection. Just one or two of these can give you a bad credit score that will take many months and even years to recover from. If you have some...Continue Reading »

3 Things You Need to Know About Credit Scores Before Buying a Home

August 22nd, 2014 | Author:

[I]f you are considering buying a home, you need to take some time to think about your credit first. It will play a substantial role in whether you get approved for a mortgage and what kind of rates you will pay. It will even impact what kind of home you can get based on your...Continue Reading »

Top 4 Tips to Raise Your Credit Score

August 21st, 2014 | Author:

[I]f you are looking to buy a house in the future, you need to have a good credit score. Even if it is a few months or a year or two away, you can start making decisions that will raise your score. Here are three tips to help you improve your credit rating and have...Continue Reading »

How Bad Credit Impacts Your Life

August 20th, 2014 | Author:

[S]ure, you know you need a good credit score to qualify for a mortgage, but did you know that there are many other ways it impacts your life? Here is a look at some of the ways those three little numbers can make life easier or more difficult. Insurance Your insurance company may pull your...Continue Reading »

Deal with Medical Bills Before You Ruin Your Credit

August 19th, 2014 | Author:

[L]arge medical bills can have a negative impact on your credit score. They are usually the result of a serious injury or illness. Compounded by the fact that you have been dealing with other issues, you may have been out of work and have less money to pay those bills. So, how can you avoid...Continue Reading »

3 Easy Ways to Damage Your Credit

August 19th, 2014 | Author:

[I]f you are trying to repair your credit and improve your credit score, you are probably looking at ways that you can make that happen. However, it is just as important to know what you are doing wrong that may sabotage your good efforts. Maxing Out Your Credit Even If You Pay It Off If...Continue Reading »

3 Budget Mistakes That Can Hurt Your Credit Score

August 18th, 2014 | Author:

[Y]ou may wonder how your budget decisions can impact your credit score, especially since your bank information is not included in your credit report. The fact is that one decision often affects another one. In the case of your credit, if you make mistakes with your budget, the first place you are going to pull...Continue Reading »

What To Do If You Have Old Debt

August 15th, 2014 | Author:

[I]f you remember a time when you were irresponsible or life circumstances prevented you from paying all of your bills, you may find that they will come back to haunt you someday. Any time an old debt shows up on your credit report, it can do serious damage to your credit score. Pretending old debts...Continue Reading »

What Age is Right to Teach Kids About Having Good Credit?

August 14th, 2014 | Author:

[M]ost parents lecture their teenagers about getting a job, saving money and how they spend the money they earn. But can you start even earlier teaching your kids about credit and the importance of having good credit? The Importance of Early Learning Many banks have programs where they teach kids even as young as eight...Continue Reading »

Recognizing Good Credit Advice from Bad

August 13th, 2014 | Author:

[I]f you are trying to improve your credit score, you are probably doing a lot of research. You may be checking to see how to improve a bad credit score or what kind of information raises or lowers a credit score. However, not all information you receive will be good credit advice. You need to...Continue Reading »