If you have poor credit, it can make things extremely difficult. Getting an apartment, buying a car, getting a credit card with a fair interest rate…these are all that much harder with poor credit. If you have poor credit, you may be wondering what steps you can take to improve your credit score quickly… 7 […]
Read MoreDuring the pandemic, student loans were suspended. This allowed many to pay off other debts they owed and even increase their credit scores. This provided many Americans with an opportunity to improve their financial stability in a way they have never previously experienced. The forbearance period for student loan payments has been extended to August […]
Read MoreIt is a popular belief that closed accounts are immediately removed from your credit report. That is a common misconception. Although closing an account restricts you from using it, it does not magically vanish from your credit report as your credit report contains information for all accounts whether they are open or closed. Closed accounts […]
Read MoreFor 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 […]
Read MoreA 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 […]
Read MoreA 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. […]
Read MoreThe 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 […]
Read MoreAttaining 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 […]
Read MoreThe 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 […]
Read MoreIf 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 […]
Read MoreA 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 […]
Read MoreDisputing 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 […]
Read MoreOver 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 […]
Read MoreResuscitating your barely breathing credit with minimal vital signs is an effortful process requiring a lot of patience, time, persistence, and confidence. Part of the credit repair journey involves awkward and difficult to handle phone conversations with debt collectors, lenders, and all financial institutions you are engaged with. Often, the terminology used by professionals in […]
Read MoreAccording to the Experian data, the average credit score for residents in Los Angeles’s highest-credit scoring neighborhoods is around 706, potentially proving that the financial health of Los Angeles is on the rise. However, the median credit score for the state of California is 680, with the standard family unit having roughly $6,481 in credit […]
Read MoreHaving bad credit can be stressful and annoying. It’s one of the main stumbling blocks to a successful life. Your financial options will diminish, fewer favorable circumstances will be open to you, and you will not be able to take advantage of new credit line offers. It can limit your financial choices and keep you […]
Read MoreImagine you have just taken out a loan for your dream apartment with a large terrace. Monthly installments are relatively high, so you pay them back only when you have the funds – you are not particularly concerned about the deadlines planned in the loan repayment schedule. After some time, you want to take out […]
Read MoreSacramento, with its flourishing contemporary culture, has been nicknamed the hipster city of California, and this comes as no surprise. Being one of the most diverse cities in the country, Sacramento offers a unique array of places where hipsters may enjoy spending their time: microbreweries, tattoo parlors, independent coffee shops as well as music stores […]
Read MoreThe 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, […]
Read MoreCredit 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 […]
Read MoreObtaining 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 […]
Read MoreAlthough filing for bankruptcy may cause you to worry about whether you will ever have good credit again, it may not be as bad as you think. Bankruptcy offers a clean financial slate and if you follow the recommended steps, you will be able to rebuild your credit in no time. Credit repair does not […]
Read MoreIf 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 […]
Read MoreLenders and creditors review your credit report and credit score to determine whether they should extend credit to you. Your credit report is a good indicator of creditworthiness and demonstrates whether you are reliable and responsible at paying back loans. However, if your credit report contains any errors that could damage your credit score, then […]
Read MoreIf 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 […]
Read MoreIf 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 […]
Read MoreConsumers 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 […]
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