How You Can Damage Someone Else"s Credit

Your credit score is tied to so many things like getting approved for a car loan or mortgage, getting good rates on insurance and getting new credit. Many other people review your credit report such as potential landlords and employers. You want to keep it in the best shape possible. Damaging...
How You Can Damage Someone Else"s Credit

When Should You Get a Credit Report?

If you have heard that you get an annual credit report for free from each of the three major credit bureaus, you may wonder when you should you request them. Some people do it at the beginning of the year just like annual New Year’s resolutions. Others do it around their birthdays.
Some...
When Should You Get a Credit Report?

5 Ways You Can Save Money and Improve Your Credit

According to statistics, the American consumer has been spending less money on certain things. If you are trying to save money to pay down credit card debt and improve your credit score, you might want to pay attention to what those expenditures are.
As you pay down your credit card balance,...
5 Ways You Can Save Money and Improve Your Credit

Embarrassing and Frustrating Situations for People with Bad Credit Scores

There are a few common themes for many people with bad credit scores who want to make changes. They often find themselves in embarrassing or frustrating situations with no idea of what to do or where to turn.
When You Have More Debt than You Can Pay
This often happens when people take on too...
Embarrassing and Frustrating Situations for People with Bad Credit Scores

Understanding Dates on Your Credit Report

When you look at your credit report, you are going to see a lot of different dates. They may be confusing and difficult to understand. You don’t need to worry about all of them, but certain dates have a direct impact on your credit score.
Date an Account was Opened
Having a long credit...
Understanding Dates on Your Credit Report

The Wrong Way to Use Credit

If you want to use your credit card to build or rebuild your credit, you must know the right way to utilize it. When you do the wrong things, you set yourself up for more credit problems. Here are things to avoid when you get a credit card.
Buying Things You Don’t Have Cash For
You see...
The Wrong Way to Use Credit

How Much will a Credit Inquiry Hurt Your Credit Score?

When you are shopping around for a new car or buying a home, you may consult with multiple lenders. They will run your credit to see if you qualify. Those inquiries will impact your credit score. The question on many people’s minds is by how much.
A Single Inquiry
When you permit a lender...
How Much will a Credit Inquiry Hurt Your Credit Score?