Can Your Credit Cards Hurt Your Credit Score?

When you ask about building credit, you often hear the advice to get a credit card. This helps establish your history of responsible financial management. It allows other creditors to see how you maintain a credit line and pay your monthly payments on time. However, you may wonder if having a...
Can Your Credit Cards Hurt Your Credit Score?

Understanding Debt Utilization to Improve Your Credit Score

Making your payments on time is the single most important factor in determining your credit score. However, it is not the only factor. Debt utilization is also a big priority and can impact your credit score. In fact, it is often the area people work on when trying to improve a bad credit...
Understanding Debt Utilization to Improve Your Credit Score

Boosting Your Credit Score By Removing a Debt Collection

If you have done any research on credit scores, you probably know that one of the worst things to have on your credit report is a collection. Just one or two of these can give you a bad credit score that will take many months and even years to recover from. If you have some of these accounts on...
Boosting Your Credit Score By Removing a Debt Collection

3 Things You Need to Know About Credit Scores Before Buying a Home

If you are considering buying a home, you need to take some time to think about your credit first. It will play a substantial role in whether you get approved for a mortgage and what kind of rates you will pay. It will even impact what kind of home you can get based on your monthly payments and...
3 Things You Need to Know About Credit Scores Before Buying a Home

Top 4 Tips to Raise Your Credit Score

If you are looking to buy a house in the future, you need to have a good credit score. Even if it is a few months or a year or two away, you can start making decisions that will raise your score. Here are three tips to help you improve your credit rating and have a better score.
Check Your...
Top 4 Tips to Raise Your Credit Score

How Bad Credit Impacts Your Life

Sure, you know you need a good credit score to qualify for a mortgage, but did you know that there are many other ways it impacts your life? Here is a look at some of the ways those three little numbers can make life easier or more difficult.
Insurance
Your insurance company may pull your credit...
How Bad Credit Impacts Your Life

Deal with Medical Bills Before You Ruin Your Credit

Large medical bills can have a negative impact on your credit score. They are usually the result of a serious injury or illness. Compounded by the fact that you have been dealing with other issues, you may have been out of work and have less money to pay those bills. So, how can you avoid having...
Deal with Medical Bills Before You Ruin Your Credit