Reasons Why Your Credit Application May be Rejected Even with Excellent Credit

[I]f you have been told you have excellent credit or your credit score is in the upper 700s or even 800, you may think the sky’s the limit on applications. You get a wake-up call when a creditor tells you that your application has been rejected. How could this happen to someone with...
Reasons Why Your Credit Application May be Rejected Even with Excellent Credit

Reasons Why an Online Bank Can Help Your Financial Status (and Your Credit)

If you’re like most people, you get into trouble with your credit because you don’t have enough money to pay the bills on time. You may live too close to the max of your budget or have too many unexpected expenses come up. If this sounds like you, then you’ll want to look for ways to get more...
Reasons Why an Online Bank Can Help Your Financial Status (and Your Credit)

Why Your Credit Score Matters If You’re a College Student

[Y]ou don’t have much money and any you do have goes towards paying your college expenses. You may wonder why a credit score even matters at this stage of your life. If you haven’t given it much thought before, you need to become aware of it now.
Your Future Depends On It
Your credit rating...
Why Your Credit Score Matters If You’re a College Student

What You Should Know about Credit and Car Insurance

[I]f you have poor credit, you probably know it will impact your ability to get a credit card or loan. However, it can also influence how much you will pay for car insurance. The connection between credit rating and car insurance may seem odd to consumers, but it is an essential combination for...
What You Should Know about Credit and Car Insurance

What You Need to Know about Disputing Information on Your Credit Report

[I]f you check your credit reports, there is a good chance that you might find an error. Statistics show that one in five credit reports contain errors. That’s not good news for consumers who rely on credit reports for new credit and loans. However, you can dispute any errors and get them...
What You Need to Know about Disputing Information on Your Credit Report

What You Must Consider about Consolidating Debt

[Y]ou have a hard time keeping track of the bills you have to pay. With multiple credit cards and more than one loan, it’s a wonder you keep it all straight. You may wonder if a debt consolidation loan is right for you. Before you go this route and try to find a way to consolidate your loans,...
What You Must Consider about Consolidating Debt

Understanding What Charged-off Means

[I]f you’ve looked at your credit report recently, you may have noticed that an account says Charged Off. You may not be sure what that means for you and for your credit score. It’s an important term you should understand to help you improve your credit score.
A creditor will charge off your...
Understanding What Charged-off Means