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 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 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 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 maisYour credit score and credit report are snapshots of your overall financial activity and financial health. Every payment you make, every credit card you apply for and every loan you have taken out are reflected there. So with that in mind, how can you improve your score?
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 maisCredit is something that affects every one of us but how many of us actually know how it works? Before embarking on a journey to a good score it helps to understand what credit is and what it tells banks about your financial history.
Leia maisSe você tem um cartão de crédito, você provavelmente tem algum tipo de monitoramento mensal de pontuação de crédito no painel de controle da sua conta online. O número provavelmente não muda muito, mas às vezes muda - muito. Como você descobre porque o número mudou?
Leia maisManter o seu crédito em boa forma significa entender do que ele é feito. Pegue uma cópia do seu relatório de crédito e comece a investigar!
Leia maisSe você está procurando comprar uma casa ou fazer uma grande mudança financeira, sua pontuação de crédito se torna um reflexo importante do seu histórico de crédito e confiabilidade. Mas o que é considerado exatamente uma boa pontuação?
Leia maisUm caminho chave para uma melhor situação financeira é uma melhor compreensão financeira. Quando foi a última vez que você viu o seu relatório de crédito?
Leia maisNot every person who walks into a real estate or mortgage brokers office is qualified to buy a home but some of them are only a little bit of financial help away. Wouldn’t you like to help more of those people rather than turn them away?
Leia maisHá muitos fatores que vão na determinação da sua pontuação de crédito. Um dos maiores fatores é a utilização do seu crédito. O seu rácio de utilização de crédito representa cerca de 35% da sua pontuação de crédito - um dos maiores factores juntamente com o histórico de pagamentos.
Leia maisYour credit score is made up of a myriad of factors to determine your credit health. What role do on-time payments play in that formula?
Leia maisPossuir a sua própria casa é uma grande parte do sonho americano. Quando você está pronto para dar o mergulho, há alguns passos no início que podem determinar onde você pode acabar.
Leia maisYou don't have to look very far to find a lender dying to get you to sign up for one of their credit cards regardless of your credit score. But how can you find the best one for you in a sea of options?
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