For many people, credit is something that becomes essential at some point in their lives. Consider a scenario where you want to take out a personal loan to pay for medical or educational expenses. Perhaps you and your family are ready to take the next step and buy a home. In this case, you will […]

A credit repair company is an organization you pay to help remove your information from credit reports. They help you improve your credit so that you can get more or higher loans from other lenders. These organizations are entirely legal in several states, and there is a credit repair organization act that helps to keep […]

A FICO score is an analytic notch that combines both human and artificial intelligence to help a lender decide whether to lend or issue a credit to a borrower. It’s a three-digit number, ranging between 300 and 850, which lenders use to determine your capability of repaying the loan based on your credit information reports. […]

The credit history of a borrower is a base for lenders to extend loans to the borrower. Therefore, borrowers should position themselves where lenders will undoubtedly give credit to them without fear or favor. Their credit history should be flawless. Convincing a lender that you will repay the loan promptly is the key to winning […]

Attaining a perfect credit score is not easy. But having a good score will save you money in terms of interest over time. For VantageScore and FICO, the highest credit score is 850. Their scale ranges from 300 to 850. If your rating is above 720, they will consider it a good score. However, it […]

The average credit score for citizens in Houston is about 642, however, Texas in general is considered to be at the bottom line when looking at state-based averages of credit scores. Not only this but in Houston alone, the average household has approximately $5,418 in credit card debt. There are cases where gaining credit becomes […]

If you are in need of a loan or would benefit from a lending limit increase, you need to ensure that you improve and maintain good credit. Lenders will refer to your credit score before they loan you money for anything you need, from credit card to car loans. To qualify for a higher loan […]

Consumers with bad credit may be interested in boosting their credit through credit repair techniques. While credit repair is effective for improving credit, it should usually be followed by the logical next step: reestablishing credit. Keep reading to understand the difference between credit repair and credit reestablishment and how to use them both to fix […]