Your credit score is a single number that can make or break the quality of your life—from renting an apartment and qualifying for a mortgage to getting approved (or denied) for a new job and finding attractive home and auto insurance rates.
Therefore, it's important to know what factors go into that three-digit number, how you can improve your credit score, and what you can do to protect it.
Leia maisYour credit report may not seem very important, but in reality, it can impact your finances and even your career prospects. Whether you're applying for a loan or searching for your next job, there are many situations where a positive credit history can help you get ahead of the competition. Adverse credit history can make it challenging to get approved anywhere from renting an apartment to buying your next car or even landing an internship – and the effects can last long after the adverse events. So, how can you keep your credit report up to date??
Leia maisCredit scores are three numbers that can have a big impact on any financial decision you make. But what is considered a good score?
If you have a credit card you know that there can be a fee on just about anything. What are some of the most common credit card fees and how can you avoid them?
Leia maisDo you have a good understanding of your finances? One way you can learn more about your own financial history is to get familiar with your credit report.
Leia maisThere is no better feeling than finally paying off a credit card. With the balance now at zero you may be tempted to close the account entirely -- but should you?
Leia maisWhen you are reviewing your credit report what happens if you find something incorrect? You can file a dispute directly with the creditor or your can write something called a 609 dispute letter.
Leia maisWe’ve all been out shopping and have been tempted by the immediate and significant savings you can get by opening a store credit card. Like everything when it comes to finances, store credit cards are neither good nor bad but should be approached with caution and awareness.
If you are looking to either build up good credit or develop better spending habits there are many options out there for you to consider. One of them is a secured credit card.
Leia maisThe goal of all debt is to pay it off and be done with it. But did you know that paying off a loan or credit card can actually hurt your credit score?
Leia maisWhenever you do anything with your credit some sort of record is formed. One of these records is called a hard inquiry.
Leia maisWhile many people are looking for help fixing their credit there are also those out there looking to build credit from nothing. If you have no credit or very little credit history, how do you get started building it up?
Leia maisOf the many things that make up your credit report and credit score, late payments play a big part. If you are trying to rehabilitate your credit and get past some late payments, how long do you have to wait until they disappear from your report?
Leia maisThere are many bells and whistles that come with every credit card. One of the most common perks is the ability to get a cash advance on your card. But is this “perk” really worth it?
Leia maisHaving and using a credit card means you may encounter erroneous charges on your statement. How can you go about fixing them and in what circumstances allow you to file a dispute with your credit card company?
Leia maisThe most important part of responsibly using a credit card is making on-time payments. So figuring out when to pay your credit card bill should be a no-brainer, right?
Leia maisThere are many ways you can tackle your debt, one of those being debt consolidation. So what exactly does debt consolidation mean and how do you know if it is a good strategy for you?
Leia maisCredit is easy to ignore until it isn’t. Nearly a third of Americans have credit scores of 601 or lower, which is considered bad credit. Aside from applying for a mortgage, how does that score actually affect you?
Leia maisWhen you have decided to tackle your damaged credit it may seem like an insurmountable feat, after all it took years of damage to get to that point. But even the worst credit isn’t a lost cause, you can always recover your credit to a point.
Leia maisIf you have a credit card you are very familiar with your credit card bill. Every month you pay at least the minimum payment due and go on your merry way. But what do all the other terms on your bill mean?
Leia mais
