It’s important to know that there are different places to pull your credit score from. It’s up to the lender which one they use, but the one most largely used is the FICO score. Keep note that different places offer credit scores. This is important when you’re pulling your credit score either from a paidRead more
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It’s pretty common knowledge that your credit score will affect your ability to get a loan, but there are some everyday living factors that your credit score can affect too. For instance: Insurance rates: Believe it or not, the amount of insurance you pay can be directly tied to your credit score. Great score equalsRead more
If you’ve let your credit score hit the dumps, there are some areas in your life that it may affect. Most people already know that poor credit makes it tougher to get an installment loan or mortgage. But, there are other issues that can come up too, for instance getting a job. Although it mayRead more
Keeping a clean credit history makes life a whole lot easier. Whether you’re trying to get a car, apartment, job or loan sooner or later someone will use your credit history to judge you. But let’s focus on how your credit score can affect your ability to get a loan. Getting a loan such asRead more
If you read Part 1 on Realistic Steps To Fixing Your Credit Report, then you know that you need to look at a copy of your report and challenge any errors that you see. Now, let’s move on to two other realistic steps you can take in order to fix your credit report. Ask forRead more
A poor credit score can take the groove out of things in your life. Instead of being approved instantly for a loan, you’re treated like an irresponsible person. Even if you were irresponsible at one point in your life, something on your report from seven or eight years ago shouldn’t still haunt you. When you’reRead more
When you’re ready to clean up your credit report, it can be confusing to know where to start. Depending on how bad it is, you may find yourself struggling to figure out whether you need to call the creditors yourself or just ignore it hoping that it’ll go away. Cleaning up your credit report willRead more
Part of being financially responsible involves staying on top of your credit report. Your report shows you what’s been reported by creditors and should never be taken lightly. It will include everything from missed payments and account balances to charge-offs and credit inquiries. Gaining access to your credit report isn’t as troublesome as it usedRead more
Everyone is pretty familiar with what a FICO credit score is. But there’s a new credit scoring agency in town, and in the next few years it may replace the FICO score all together. What most people don’t understand is that there are many agencies who produce credit scores. FICO is just the most popularRead more
Need to rebuild your credit? There are several ways to go about improving it. Some are obvious, some not as obvious. Here are two in particular that most people aren’t aware of: Go to a bank or credit union and get a prepaid credit card. This is where you give them $300 of your ownRead more
