Get a Fresh Start on Your Credit!
Doing your income taxes? If so, there is no better time to review your finances so that you have a better overall understanding of where you are, where you want to be, and how to get there. The best place to start is with your credit score. Do you know
What is a “Subprime” credit level? Subprime credit means that lenders might consider you a credit risk. Not only will they be more likely to reject your credit application, but if and when they do issue you credit, you’ll pay a much higher rate to offset the “risk.” But did
As if 2020 wasn’t bad enough already, what with a pandemic, lockdowns, and an economic downturn unlike any other, millions of people also lost their jobs… and that will leave millions of us with blemishes on our credit reports that can and, in many cases will, take years to clean
“It’s everywhere you want to be.” “What’s in your wallet?” Advertisers make sure we’re aware of the power of plastic long before we’re old enough to carry those credit cards, don’t they? Even though choosing your credit cards based on ad campaigns is not the right way to do it,
If you have a low credit score, you’ll pay more for certain expenses. Whether it’s a car loan, a mortgage loan, car insurance or even the rent on an apartment, the lower your credit, the more you’ll pay. Lenders and financial service providers rely on credit scores to define if
When was the last time you took a good, hard look at your credit report? Identified and disputed errors? Made a plan to resolve any issues that are damaging your credit score? Worked toward improving that score? You haven’t done that? Sadly, unless a person is specifically interested in getting
You know, when you’re just starting out financially, it’s not always easy to understand all of the financial terms, what they mean, and how they affect your credit score… truthfully, you may not even understand your credit report the first time that you request it, even though literally everyone says
You know, when your credit score is really bad, it can seem like there is no point whatsoever in trying to improve it. You know what I’m talking about, how many times have you or someone you know made the simple statement, “My credit score is so bad, I’ll never
Once you’ve filed bankruptcy, your credit score will typically bottom out at more than 200 points below where it was before you filed, but there are times when an individual simply has no other viable option than the financial and personal relief offered through a bankruptcy filing. Almost immediately, creditors
Bankruptcy literally causes your credit score to bottom out, but you can recover from a bankruptcy if you’re willing to work at it. In fact, if you handle your finances properly after bankruptcy and start rebuilding your credit as soon as possible after your bankruptcy is discharged, you can recover