Why You Should Know Your Spouse’s Credit Score Before You Get Married

[Y]ou spend a lot of time talking, getting to know each other before you get married. You discuss where you want to live, how many kids or pets you want to have, and much more. But many fail to talk about money or more specifically, credit. A study from Experian shows that 40 percent of people...
Why You Should Know Your Spouse’s Credit Score Before You Get Married

What You Should Know about Mortgages for Lower Credit Scores

After the past few years of stringent loan qualifications, home buyers today have more opportunity to qualify for a home loan. The minimum credit score has dropped on both traditional and government-backed mortgages, giving more people the chance to become homeowners. However, you should know a...
What You Should Know about Mortgages for Lower Credit Scores

Get Rewarded with Better Credit Score if You Pay Your HOA Fees

[I]f you live in a homeowner’s association, you have an annual fee. In the past, these fees are like rent payments in the fact that they didn’t impact your credit. That is about to change now. Sperlonga is a company that manages HOA payments and accounts, and they will begin reporting to Equifax ...
Get Rewarded with Better Credit Score if You Pay Your HOA Fees

Do Credit Scores Matter with Payday Loans?

[I]f you need money and have bad credit, you’ve probably considered a payday loan. Even with their poor reputation because of high interest and high payments, some people consider them their only option. The question you may be asking is if you can have a credit score too low to even be c...
Do Credit Scores Matter with Payday Loans?

Your Rights with Debt Collectors

[D]ealing with a debt collector can be frustrating and even downright scary. Some of them use unscrupulous tactics to attempt to force you into paying a bill. Before you contact a debt collector or talk to them, you should know your rights.
A Right to a Written Notice
A debt collector is...
Your Rights with Debt Collectors

What You Should Know about Installment Loans

[I]nstallment loans are a type of personal loan with no collateral. You are given a loan which you will pay back with regular payment. They may be set up monthly, bi-weekly or with some other timeframe. Before applying for one, you should understand what they are, how they work and what they can...
What You Should Know about Installment Loans

How to Use Nontraditional Credit To Help You

[I]f you’re like many people with bad credit or past credit problems, you may not qualify for traditional credit such as loans and credit cards. Your negative credit makes it difficult to establish new positive credit because it seems like no one will give you a chance. However, you can use n...
How to Use Nontraditional Credit To Help You