Was your home foreclosed on? Filed for bankruptcy? If your credit score has taken a hit, find out how to repair your credit.
Few things in life impact your financial health more than your credit score. Even someone with a great job and plenty of money in the bank could find themselves denied for a loan or a lease application if they have a poor credit score. This raises an important question. How long will it take to improve […]
Want to buy a house, but not sure if your credit score is high enough? Well, we’ve got good news: there are programs which help people with less-than-perfect credit to buy a home. However, there are definitely benefits to having a good-to-great credit score. Read on to learn what you should know about credit scores […]
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 […]
We’ve all made mistakes, and that includes mistakes with credit. But while some elements of fixing your credit score require time and patience, there are other things you can do that can make a difference more quickly. How to increase your credit score in 30 days There’s no way to boost your credit score overnight. But […]
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 […]
As cyber thieves become savvier, identity theft continues to rise. According to the 2017 Identity Fraud Study conducted by Javelin Strategy & Research, 2016 was the worst year ever for identity theft. $16 billion amount stolen by cyber thieves from 15.4 million U.S. consumers in 2016 Their study found that cyber thieves stole $16 billion […]
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. […]
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