Friday 30 January 2015

Get the Truth and Avoid These 5 Credit Score Myths

Credit scores are a lot like an unsolved mystery. Everyone has an opinion about how they work, but it seems that nobody knows for sure. Talk to multiple people and you will get conflicting stories. Trust in the wrong information and you can do more harm than good to your credit score. Here are...
Get the Truth and Avoid These 5 Credit Score Myths

Wednesday 28 January 2015

Why Getting Married Affects Your Credit

If you have plans to get married in 2015, congratulations. It is a big step in your life and one that should be filled with excitement and happiness. If you have heard that getting married impacts your credit score, you may wonder what will happen when you say “I do.”
Everything and Nothing Cha...
Why Getting Married Affects Your Credit

Tuesday 27 January 2015

How to Stop Overspending and Improve Your Bad Credit

Even if you make your payments on time every month, you cannot have a perfect credit score if you max out your credit cards. In fact, your credit may be only average even if you do everything else right. It is because how much you use your available credit has a big impact on your credit score....
How to Stop Overspending and Improve Your Bad Credit

Monday 26 January 2015

Break These 4 Bad Habits to See Your Credit Score Improve in 2015

Many people make resolutions at the beginning of the year only to find that they are broken by the middle of January. It can get discouraging, especially if your resolution was to improve your credit score. Instead of just focusing on what you should do, you also need to think about what you...
Break These 4 Bad Habits to See Your Credit Score Improve in 2015

Sunday 25 January 2015

3 Tips for Getting Approved for a Credit Card

It is often frustrating to get turned down for a credit card, especially if you had done research and chosen one that you thought would be an easy approval. Sometimes it is a low credit score that is the reason, but other factors may also cause rejection even with a good score. Here are three...
3 Tips for Getting Approved for a Credit Card

Friday 23 January 2015

5 Top Apps to Improve Your Credit in 2015

It’s a new year and you have new goals to get your credit in order. Maybe you want to buy a house or a new car or you just want to stop the collectors from calling you. No matter what your reason is for improving your credit, these apps can help make it easier.
1. Credit Sesame
Always know w...
5 Top Apps to Improve Your Credit in 2015

Thursday 22 January 2015

Why Maxing Out Your Credit Cards is Bad for Your Credit Score

Now that the holidays are behind you, the focus may move to paying off your credit cards. They probably took a hit during the busy shopping season and may even be maxed out. If this is the case, you want to make paying them down quickly a top priority. Otherwise, you may find out that it is...
Why Maxing Out Your Credit Cards is Bad for Your Credit Score

Wednesday 21 January 2015

Understanding Credit Scoring Systems

You check your credit score and are impressed to see that it has raised to 640 after a lot of hard work. You go apply for a loan or credit card and are turned down. In the rejection letter, it states that your credit score was only 583. Why the discrepancy? Can you trust any credit score to be...
Understanding Credit Scoring Systems

Tuesday 20 January 2015

Special Credit Scores that Impact Your Life

You know that credit scores are used to predict your likelihood of repaying a loan or paying off any credit obligations such as a credit card. Did you know that there are other types of scores that use nontraditional information to make certain determinations?
These are secret scores that may...
Special Credit Scores that Impact Your Life

Monday 19 January 2015

Not All Credit is Good for Your Credit Score

You’ve been approved for a new credit card. Now your credit score will surely get a boost. While this is most likely the case if you use your credit card responsibly, not all credit is good for your credit rating. Here is a look at some credit that can actually hurt you or at least not give you a...
Not All Credit is Good for Your Credit Score

Friday 16 January 2015

Bad Habits to Break to Get Out of Debt and Improve Your Credit

At the start of a new year, the focus is often on establishing good habits, goals and resolutions. Just as important is breaking bad habits that have put you in your current position. Sometimes, it is just as necessary to resolve not to do something as it is to create resolutions that say “I w...
Bad Habits to Break to Get Out of Debt and Improve Your Credit

Thursday 15 January 2015

A New You in the New Year: Why Your Credit Score Should Matter in 2015

As you make all kinds of resolutions to improve your life, you don’t want to forget about your credit score. Now is the time to resolve that you will get your credit rating on track and improve your score. There are several reasons why.
Buying a Home
If you have been dreaming of buying a home, 2...
A New You in the New Year: Why Your Credit Score Should Matter in 2015

Wednesday 14 January 2015

Should You Consider Alternative Lenders When You Have Bad Credit?

One of the worst effects of having a bad credit score is that you have a hard time getting a loan. Whether you need to buy a car or consolidate your debt for lower payments, most lenders will turn you down. Even people with scores around 600 find it difficult to get approved. If your score falls...
Should You Consider Alternative Lenders When You Have Bad Credit?

Tuesday 13 January 2015

Why You Should Make Improving Your Credit Score a New Year’s Resolution

The beginning of a new year is often the time when people make resolutions to change something. It may be to lose weight, quit smoking, start exercising or a host of other things that will improve their lives. One thing you should put on your list of resolutions is to improve your credit score....
Why You Should Make Improving Your Credit Score a New Year’s Resolution

Monday 12 January 2015

The Basics of How to Have Good Credit

If you are looking to improve a bad credit score, you have probably read countless articles on the subject. You may have taken notes, reviewed steps on improving your score and even considered using one of those companies that promises to improve your score. While all of that information can get...
The Basics of How to Have Good Credit

Friday 9 January 2015

4 Things to Do to Improve Your Credit Score

Now that the holidays are behind you, it is time to take stock of the damage done to your credit score. No matter what it was before the holiday shopping, it probably took a hit. According to a survey conducted by the credit agency TransUnion prior to the holiday season, 82% of Americans would...
4 Things to Do to Improve Your Credit Score