A new apartment, dreams of your own home in a decent neighborhood with good schools, or the growth of your business – these are the investments we often leave up to credit. Nearly half of American adults, accounting for 47%, have substantial credit card debt. And approximately 20% of the U.S. adult population have been […]

If your credit score is keeping you up at night, you are not alone. Statistics show that nearly 12% of the entire U.S. population has an ultra-low credit score, which falls somewhere below 550, and less than 1% of American adults have a perfect FICO score of 850. The lack of substantial knowledge of credit […]

Disputing hard inquiries from your credit report is a lengthy process requiring your full cooperation with the credit bureaus and the lenders that furnished the information or made the inquiry. Removing hard inquiries is a complex task that demands a thorough analysis of your credit report, determination, and a lot of patience. Generally, valid hard […]

Credit repair is a lengthy process that requires constant attention, time, and patience. Many myths surround the topic, and we are here to make things clear, from understanding what credit is to factors impacting your creditworthiness. Learn the tricks of the industry, and don’t be fooled by an easy way out.   Nailing the 5 […]

Obtaining credit history at a young age not only provides the youth with beneficial opportunities to kickstart their life; the fundamentals of good credit early on establish financial wisdom that will serve the future in various ways, including financial stability and excellent spending habits. Rewards are enormous, but how do we start building good credit […]

If only we were offered a substantial financial education in our high school curriculum, many of the generally avoidable credit mistakes young adults make might have never happened. But we didn’t, and the damage is done. Research shows that most of the significant credit mishaps occur in our twenties, and the slip-ups linger on our […]

If only we were offered a substantial financial education in our high school curriculum, many of the generally avoidable credit mistakes young adults make might have never happened. But we didn’t, and the damage is done. Research shows that most of the significant credit mishaps occur in our twenties, and the slip-ups linger on our […]

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 […]

The borrower’s creditworthiness, for instance, the ability to repay his financial obligations within the prescribed period, is the most critical factor assessed by the bank when considering a loan application. Based on the reliable financial standing, financial institutions also determine the maximum amount for which the customer can take out a loan. For those reasons, […]

Over 60 millions of Americans have no credit history at all, or the quality of the data collected about them is not enough to appropriately calculate a scoring average. Customers excluded from the market are doomed to use more expensive services, the so-called alternative lenders. Credit bureaus play an extremely significant role in the developed […]