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There’s a Right Way and a Wrong Way to Take on Holiday Debt

You probably know that taking on extra debt during the holidays isn’t the best idea. Newly incurred debt can be bad for both your wallet

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Is It Smart to Increase Your Credit Card Limit?

Trying to find an ethical and effective way to improve your credit scores can sometimes be a rather frustrating undertaking. After all, improving your credit

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Why You Need to Check Your Credit Report With All Three Credit Bureaus

It is easier than ever before to keep a close eye on your credit reports. There is no shortage of websites that offer free access

Can Alternative Credit Scoring Help You Get a Mortgage?

By Peter Miller Lenders have an ongoing problem: No matter how many loans they create, they want to make even more. And that brings us

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Born-Again Debt: What Is Re-Aging, and Is It Legal?

The world of credit is filled with terms that can sound quite foreign to most people who don’t work in the industry. Once such term is

11.01.16
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Here’s How Much Your Credit Score Impacts Your Mortgage and Auto Loan Rates

When you apply for a new loan, the most influential factor in determining your interest rate is your credit and, more specifically, your credit scores.

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Capital One Credit Tracker Now Available to Everyone as ‘CreditWise’

While knowing your credit score is an essential component of any financial plan, this number isn’t readily available. The truth is, it can be difficult to find

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How Often Does Your Credit Score Change?

If you routinely check your credit reports for changes, then kudos on developing a great habit. Keeping a close eye on your credit reports is

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Four Ways Holiday Shopping Can Crush Your Credit

The tradition of holiday overspending is as American as apple pie. Tradition or not, bad holiday spending habits can undoubtedly take a toll on your

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Want Your Free FICO Score? Five Credit Cards That Will Show It to You

Over the last decade, it’s gotten immeasurably easier to access your credit report and credit score. Not only can you get a free copy of your

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How Long Does It Take to Build Credit From Scratch?

Everyone starts out with a blank slate when it comes to their credit reports. The trick, of course, if you have never established any type

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Business Credit Score Basics

If you’re a business owner, especially a small business owner, there are likely many concerns that occupy your mind on a day-to-day basis. Business owners wear

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Why Landlords Do a Credit Check (and What They Look For)

Unfortunately in life, your past mistakes often have the uncanny tendency to haunt you, long after you made them. This is especially true when it

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How to Raise Your Credit Score

Boosting your credit score might seem like an impossible feat, but it’s not that hard to accomplish if you understand how credit works. Some easy

09.08.16
applying for credit builder loan at bank

What Is a Credit Builder Loan?

If your credit isn’t great, but you want to make it better, you might be at your wits’ end. Fortunately, there’s a lesser-known credit product

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Will Paying Collections Raise Your Credit Score?

So you’re ready to start rebuilding your damaged credit? That’s a smart decision. One of the first places that many consumers like to begin when

medical bills on credit report

How Do Medical Bills Affect Your Credit?

Questions regarding your credit generally do not have a simple cut and dried answer. Instead, credit-related questions more often require the rather ambiguous and sometimes

Best Credit Monitoring Service for 2016

If you’re worried about becoming a victim to identity theft, now is the time to take actionable steps to protect yourself. This is a problem

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