Starting Over from Bad Credit

[Y]ou hit rock bottom with your credit. All of your accounts went to collections and your car was repossessed. You don’t even want to check your credit score because you know it’s bad. While the situation might seem hopeless, you can turn it around. Once you’ve lost any credit worthiness, you are...
Starting Over from Bad Credit

4 Steps to Improve Your Credit

[F]or people with bad credit, they are often looking for the easiest or best ways to improve their credit scores. While the quick-fix schemes promised by some companies don’t really work, there are some steps you can take on your own. You won’t see an improvement overnight, but your credit score ...
4 Steps to Improve Your Credit

Ways to Save Money and Improve Your Credit

[I]f you made a resolution this year to pay off debt and improve your credit, you may find you have a challenge. For some, getting a second job is the best way to accomplish this goal because it provides extra income. If this isn’t an option, you can focus instead of saving money to give you m...
Ways to Save Money and Improve Your Credit

Surprising Things That Affect Your Credit Score

[A] great credit score is the ticket to a number of positive life experiences. Your score can open the doors to a new home or a new vehicle. It can also keep your interest rates and insurance premiums low. However, maintaining good credit isn’t always as straightforward as it seems. A number of s...
Surprising Things That Affect Your Credit Score

Improve Your Credit Score Before Autumn

The lazy days of summer can make you relax and slack off on some of your tasks. However, your credit score is one thing that you should never forget about. If you are trying to improve your credit score, there are some things you can do now so that you have a good score by the end of summer.
Set...
Improve Your Credit Score Before Autumn

Is It Possible to Have a New Credit History?

The idea of starting over is often appealing. You can forget past mistakes and have a new beginning. If you have a bad credit score, you may want to do that with your credit history. Unfortunately, there is no “do over” button.
Starting Over with Bankruptcy
Many people think that...
Is It Possible to Have a New Credit History?

Why You Need More than Excellent Credit Scores

You may have been working to improve your credit score for some time. You have paid down your debts, made sure all payments were on time and generally exhibited good credit behavior. Your goal is to reach a certain score, the “magic number,” that you have set as a goal. Maybe it is...
Why You Need More than Excellent Credit Scores

Got Bad Credit? You Can Still Have a Smartphone

Most cell phone companies require a credit check if you wish to buy a smartphone and have a contract. For those with bad credit, they are often turned down or required to pay a deposit. They may only qualify for a prepaid contract, which is often significantly higher than traditional plans.
To...
Got Bad Credit? You Can Still Have a Smartphone

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?

What are the Best Ways for 20-somethings’ To Build Credit?

When you just graduate college and are starting out on an entry-level salary, it can be difficult to get a car, house or even rent an apartment. If you haven’t already established your own credit, you will have a limited history that makes you a higher risk to lenders and creditors. How can you b...
What are the Best Ways for 20-somethings’ To Build Credit?

Can You Fix Your Credit in Six Months?

Are you looking to buy a home or new car in six months or a year? You may be wondering if that gives you enough time to clean up your credit so that you can qualify for a loan. Is six months long enough to repair your credit?
What’s Wrong with Your Credit?
If you have some late payments or...
Can You Fix Your Credit in Six Months?