Was your home foreclosed on? Filed for bankruptcy? If your credit score has taken a hit, find out how to repair your credit.
In partnership with Experian and fintech company Finicity, FICO recently announced a new credit scoring model called the UltraFICO Score. This new score will give customers the choice to include data from their bank accounts as well. This marks the first time the credit scoring pioneer has included consumer-contributed data in its credit scoring calculations. This makes it possible for people who can’t […]
If you have bad credit or you’re looking to get your first credit account, a credit card can help you establish a great credit score. But getting a credit card isn’t always wise or possible. For example, student credit cards typically have an income requirement, which is hard to meet if you’re going to school full time. And secured credit […]
Your credit score is a three-digit snapshot of your credit history and provides lenders with an idea of how trustworthy you are as a borrower. The better your credit score, the easier it is to get approved for loans and credit cards and score low interest rates along the way. But what is a perfect credit […]
Unfortunately, there are no debit cards that build credit. Debit cards and credit cards have different functions and purposes, so if you try to get a debit card that builds credit, you’ll be disappointed. “When you use a debit card, the payment is taken directly from your bank account unlike a credit card where you […]
How much you owe makes up 30% of your FICO credit score. A big part of that – though not the whole thing – is how much you owe on your credit cards. Having a low credit utilization rate is crucial to building and maintaining an excellent credit score. Read on to learn how to […]
Are you looking to build or repair your credit? A credit-builder loan may be worth considering since it’s designed to build your credit profile or increase your credit score. They’re ideal for credit newbies and those looking for a fresh start. Credit-builder loans also work for cash-strapped consumers since they don’t require a security deposit. […]
During a medical emergency, how you’re going to pay the medical bill or if there are unpaid medical bills on your credit report are the last things on your mind. You may not even know how much this unexpected event will cost until you get the medical bill. Medical bills are so dangerous because, at […]
Self Lender provides credit-builder loans to people who want to improve their credit score. It was founded in 2014 by James Garvey and Conor Swanson and is based in Austin, Texas. This article provides an in-depth review of the benefits and disadvantages of getting a loan with Self Lender. Self Lender offers a fix to […]
If you’re trying to buy a house or car or seeking a new job, making the effort to boost your credit score could mean the difference between success and disappointment, especially if your credit profile is marginal. Even if you’re not in the market for new credit, working to improve your credit score is a […]
The end of the year is such a hectic time, with holiday shopping, family get-togethers, parties and other festive occasions. Thinking about money hardly seems in tune with the season. But the end of the year is precisely the right time to map out financial strategies for the coming year. Following these 10 tips can […]
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