Property managers and landlords evaluate applicants based on several factors, including your credit score. A higher credit score means you’ll have better chances of securing a rental property. It will also help you stand out from among other applicants who are also interested in renting the apartment that you want. Property managers and landlords want …
What Credit Score Is Needed To Rent An Apartment? Read More »
Poor credit history affects many financial transactions you make. It’ll be harder for you to take out a loan or apply for a new credit card. You need to rebuild your credit first so that you’ll have higher chances of getting approved for new credit and obtaining better loan terms. If you’re looking for options …
If you’re trying to find a job, the last thing you need is bad credit getting in your way. There are many reasons why people end up with a poor credit rating and it can be hard to get around these issues when you’re trying to find work. However, being denied a job because of …
It’s good to be doing well financially and be able to settle your debts. You know that your debts are recorded in your credit report. Can it be removed when you’ve settled the account? That’s a common question. Yes, you can remove a settled account from your credit report. A settled account means you paid …
How To Remove Settled Accounts On Your Credit Report Read More »
Major credit reporting bureaus offer a credit freeze service to protect consumers from identity theft and credit fraud. This is necessary when your personal information has been compromised due to a lost card, hacked online account, and stolen documents. If you decide to freeze your credit report, most companies can’t check your credit report. If …
If you fail to pay your debts on time, the lender will penalize you by charging a “late payment” fee and this will also reflect on your credit report. As the term suggests, a late payment is reported if you’re late in paying your account for 30 days or more. If you are trying to …
Everybody wants to have a good credit score. Your credit history affects your financial life significantly. It represents your creditworthiness whenever you apply for a loan. Did you know that the benefits of having good credit go beyond loan and credit card approval? You’ll get better car insurance and mortgage interest rates. You’ll find it …
What does good credit do for you? Here are the advantages and benefits. Read More »
Financial difficulties can happen to anyone at any time. Often, it can be unprecedented due to sudden unemployment (think Covid), an accident to self or loved ones, unexpected bills, and many other reasons, most unforeseen. In the United States, there are 191 million credit card owners, and 7 out of 10 Americans own at least …
How Often Do Credit Card Companies Sue for Non-Payment? Read More »
Owing money can be extremely stressful, especially if your account has gone to collections. You’ll keep getting calls and receiving collection notices from them regularly, which can be both frustrating and infuriating. You might think to pay it off so they would stop harassing you. And you also hope that getting a collection deleted from …
How Many Points Will My Credit Score Increase If A Collection Is Deleted? Read More »
You have no credit and you want to build one so you can apply for a credit line or loan. Or you may have a good score already, but you wonder, can you get a perfect or exceptional credit score? What score is excellent credit? What does it take to achieve a score of 850? …
How do you get an excellent credit score (or even perfect credit)? Read More »
