Credit Score

Build Credit History

Full Guide to FICO Score Calculating

You’ve probably heard about your FICO score (also known as your credit score). Banks use it; credit card companies use it; sometimes even your landlord and employer may use it. It’s a pretty important number. We may not have the exact method to calculate it, but you can get a pretty fair estimate of where Read more

Check Credit Score

Ways to Monitor Your Credit Score Effectively: a Guide

Updated: December 1, 2022 Let us introduce our friend Joe. Joe thinks that just because he has good credit habits today his credit is fine. He doesn’t monitor his credit score as often as he should. Unless he’s applying for a credit card or a loan, he thinks those three digits aren’t important. Unfortunately, when Read more

3 Credit Bureaus

The Largest 3 Credit Bureaus: How They Work

Last Updated: November 29, 2022 Note: During the coronavirus outbreak, the 3 credit bureaus allow you to get credit reports for free once a week! A credit bureau, also known as a credit reporting agency, stores, compiles, and evaluates your credit history. Credit bureaus hold information about your payment patterns, balances owed, and how you Read more

Reading a Credit Report

Finally Understand How to Read a Credit Report

Updated: November 29, 2022 Note!!! Due to the COVID-19 outbreak, Experian, TransUnion, and Equifax offer free weekly credit reports through  2023. Reading a credit report can be intimidating. It holds all of your reported credit history for the last seven to ten years. That’s a lot of information to process and it is easy to Read more

Credit Bureau

A Guide to Understanding Why Credit Score Matters

Your credit score influences a lot more than just what credit cards you’ll get. In this article, we’ll talk about why credit score matters. It can be used in background checks for jobs, in a rental application, and purchasing a car and car insurance. Unfortunately, if your credit is bad, it’s usually enough of a Read more

What Affects Your Credit Score

What Affects Your Credit Score: the Biggest Factors

Updated: June 11, 2022 Name one thing that affects your finances, your ability to rent an apartment, your car insurance, and your future job? If you said your credit score, you’d be right. Your credit score is critical if you want credit cards, a loan, or a mortgage. It is just as important in determining Read more

Debt Counseling

Debt Counseling Services: Should You Use Them?

Updated: September 11, 2022 Many people have difficulty managing their financial situation. Overdue bills are a constant source of worry. They live paycheck to paycheck. When someone is in this situation, debt counseling services (also known as consumer counseling services) sound like a responsible choice. They are advertised as a long-term solution to get your Read more

Debt Consolidation Affects Credit Score

Understanding How Debt Consolidation Affects Credit Score

Updated: September 11, 2022 It’s common knowledge that eliminating debt usually results in an improvement of both your credit score and financial situation. To eradicate it, we use what resources we have available. If you possess a significant amount of debt, you may be considering debt consolidation. After all, it sounds like a sensible way Read more

Remove Negative Items from Credit Report

Remove Negative Items From Credit Report Wisely

Updated: September 9, 2022 Negative information is never good. On your credit report, it’s even worse. Lenders see it as a legitimate reason to give you a credit card or loan with a higher interest rate. As a result, you’ll end up paying more for using their credit. When you remove negative items from credit Read more