Changes Coming to Credit Reports Could Help You

A settlement has been reached with the three main credit reporting agencies: Equifax, Experian and Trans Union. While the $6 million figure may seem impressive, it is what changes are being made to the way accounts are reported that could have significant impact on people.
Handling Disputes
The...
Changes Coming to Credit Reports Could Help You

Is Lifestyle Inflation a Risk to Your Credit?

You probably still remember how excited you were about your first job. You started planning for how much money you would make and what you would do with it. It might not have been much, but it seemed like a lot more because you didn’t have any bills.
Along comes a raise, promotion or a new...
Is Lifestyle Inflation a Risk to Your Credit?

Why a Good Credit Score is Not Always Enough

You’ve worked hard to improve your credit score and now you have a number you can be proud of. Before you apply for that car loan, mortgage or credit card you have been waiting on, you need to think about what else you need.
It Takes More Than a Credit Score
Even a good credit score...
Why a Good Credit Score is Not Always Enough

Should You Get a Higher Credit Card Limit?

After a length of time paying your credit card payments on time, you may assume that you will qualify for a higher credit limit. In fact, you may even wonder if you should ask. The question you may have is if you should get a higher limit and when you should ask.
Bigger is Not Always Better
A...
Should You Get a Higher Credit Card Limit?

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?

Getting Your Credit Ready for a Mortgage

One of the most common reasons that people begin focusing on their credit is to get ready to buy a new home. They may have already applied for a mortgage and been turned down, or they may know that their credit needs some work to qualify. Either way, it is important to know what you need to do...
Getting Your Credit Ready for a Mortgage

Are You One of the 10%-33% of Americans Without a Credit Score or Have You Checked?

According to statistics by the experts, between 10% and 33% of Americans either do not have a credit score or haven’t checked theirs. If you are in this group, you may be hurting yourself for the future.
Do You Have a Credit Score?
You may assume that everyone has a credit score. However,...
Are You One of the 10%-33% of Americans Without a Credit Score or Have You Checked?