Get a Fresh Start on Your Credit!
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
One of the biggest hurdles that you’ll ever face once you’ve had a credit setback is not what you think it might be… It’s not that no one will give you credit because you have bad credit. It’s not that you have to find other ways to pay for things
Have you checked your credit score since the updates that took place this month? Remember, we reported back in April that beginning July 1st, big changes in the reporting standards would take place, and this could potentially affect your credit score! Here is a summary of the changes: First
Did you know if you’re using over 30% of your total available credit that it’s probably hurting your credit score? That’s right. Credit utilization, the simple measure of how much available credit that you have at any given time, should stay at or below 30% of your total available credit.
Have you ever tried to read those little “Terms & Conditions” updates you get in the mail every so often? Or worse, have you ever tried to make any sense of the various ways that your credit card interest is calculated? Maybe you’ve never had a credit card before and
A friend of mine is thinking about buying a house, in fact he’s been thinking about buying a house for a couple of years now. However, the last time he applied for a mortgage, he didn’t have enough credit, so his mortgage broker suggested he get a credit card or