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How Often Do Credit Scores Change
There are countless reasons why you should care about your credit score. The most important is the fact that without a relatively healthy credit profile, lenders aren’t willing to give you the money...
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What’s Credit Mix Ratio and How it Affects Your Credit Score
A handful of factors come into play when credit bureaus calculate your individual credit score. The algorithms used to generate FICO and VantageScore scores differ slightly, but the basics are the...
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Avoid These 3 Common Red Flags on your Credit Report
Dozens of factors affect your credit report and score. Some negative-seeming items are inevitable; for example, applying for any line of credit gives reason for finance companies to look closer at the...
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How to Earn Recurring Income from Home as a Credit Repair Expert
Credit is a necessary component of anyone’s financial life, for better or worse. Access to financing for major purchases like a car purchase or buying a home requires a solid foundation of good credit....
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The 5 Factors that Affect Your Credit Score and How They’re Weighted
Credit Score. Even the phrase leaves people somewhat guarded, embarrassed, or confused. In basic terms, a credit score is a three-digit number between 300 and 850 generated by a mathematical formula or...
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3 Highly Effective Tips for Improving Your Credit Score
Your credit score is improved by being financially responsible. Pay bills on time, keep your debt to available credit ratio low, and never apply for more credit than necessary. By following these three...
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What is a FICO Score
Your FICO score is a credit score – a three-digit number that is meant to showcase your financial strength as a borrower. The term FICO refers to a credit scoring model developed by the Fair Isaac...
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Common Identity Theft Tactics & Prevention Tips
Identity theft was the number one fraud complaint in 2008, and it continues to plague consumers as criminals become savvier. The crime takes no skill or equipment to pull off, making it a tempting...
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What to do When Your Identity is Stolen
Identity theft can be temporarily devastating to your credit report. In addition, it takes time for credit card companies to refund the stolen money which can considerably hinder your personal and...
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What’s Inside a Credit Report – See What Creditors Know
A credit report is compiled information on your place of residence, financial track record in regards to paying bills, loans you’ve received recently, and judgments or bankruptcies. Its primary purpose...
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How Renting Affects Your Credit Score
As of the end of 2019, the average rent in the United States is just under $1,100 per month or $13,200 per year. Even the cheapest cities to rent in cost more than $500 per unit on average. For many...
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How To Build Credit With No Credit History
The good news about having no credit is that you don’t have bad credit. Even better, you have the potential to build great credit, which is easier to do with no credit than damaged credit. That being...
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3 Main Credit Bureau Phone Numbers – Equifax, Experian & TransUnion
The three major consumer credit bureaus in the United States are Equifax, Experian, and TransUnion. There are several reasons why you might need to contact one of these companies. However, they don’t...
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How to Rebuild Credit after Bankruptcy
Rebuilding your credit after a bankruptcy is similar to building credit in the first place. As someone who has less-than-ideal credit, you’re going to pay more to borrow money than before the...
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Get Ongoing Access to Your Credit Score for Free
For better or worse, your credit score plays a significant role in your financial life. Not only do lenders like mortgage companies, credit card issuers and personal loan providers take a peek at your...
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Understanding How Credit Repair Works and When It’s Needed
It doesn’t take much to get into trouble with your financial history. One late or missed payment, an account in collections, or a season of overspending on a high-limit credit card can lead to...
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How to Dispute an Item on Your Credit Report
Credit reporting agencies and the businesses that report to them are responsible for maintaining accurate records. Unfortunately, the burden of proof still primarily falls on you, the consumer. The...
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Understanding Credit Counseling Services vs Credit Repair Companies
Bad credit can affect nearly anyone over the course of a lifetime and for a myriad of reasons. Getting in over your head with credit card spending, being consistently late on debt payments, or facing...
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Why all Credit Scores are Not the Same
Credit scores are an important aspect of anyone’s financial life, as they are used to gauge whether an individual is worthy of a new credit card, an auto loan, a mortgage, or even a new job....
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6 Big Reasons You Need Credit
Now that you’re familiar with what credit is, how credit reports are created, and where credit scores come from, you might wonder: “Why do I even need credit?” Can’t you just pay cash for everything...
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