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 »
Getting a car loan or a mortgage requires you to have good credit. But what if, for some reason, you don’t have a stellar credit score? Does this mean you can’t get a loan? Fortunately, there are things you can do to get around the frustrating effects of bad credit, and one of them is …
You’ve probably heard the term “tradeline” before, or you may have seen it on your credit report. And you wonder, what does it mean? Can a tradeline help build your credit? Yes. A Tradeline can help boost your credit score and increase your chances of getting approved on loans or credit cards. What is a …
Having a good credit score gives you higher chances of getting approved on a loan or credit line. It also gives you better loan terms and lower interest rates when you take out a loan. Creditors consider applicants with excellent credit reports as less risky and are given more preference and favorable terms than those …
Your credit report plays a huge role in your financial life. It contains details of your previous financial transactions and your current credit standing. This report helps creditors decide whether to approve your loan application or not. It also helps them determine if you have the financial capacity to pay back the money you wish …
Are you having student loan problems? Well, you’re not alone. As of 2020, around 45 million Americans collectively owe $1.56 trillion US Dollars in student loan debts. Yes, that’s definitely a lot of money making student loans the second highest consumer debt in the United States, behind only mortgage debt. The more alarming fact is …
How to get defaulted or delinquent student loan info off your credit report Read More »
Your credit score is one of the most important aspects of your financial life. If you’re planning to buy a house, get a new car, or acquire a personal loan, most creditors will refer to your credit history to see whether you are a good risk. It will also be used to determine what deals …
How To Remove Negative Items From Your Credit Report Read More »
“I have bad credit and I need to rent a house.” This is one of the many dilemmas that countless people face these days. Whether you’re moving to a new home within the city or relocating to a different state, the process of renting a house can be complicated. Things are made more difficult if …
How To Rent A House With Bad Credit And Evictions Read More »
Having a tax lien can be very stressful. If you were informed that you have a tax lien, you might have a lot of questions on how it could affect your financial situation and your properties. You might be wondering whether it will impact your credit score and how long will it stay on your …
How Long Does A Tax Lien Stay On A Credit Report? Read More »
Nobody wants to get evicted from their homes. However, it happens more than expected and for different reasons. Unfortunately, it can also affect your credit record. If you’ve faced such an unfortunate circumstance, you know how difficult it is to repair your damaged credit rating, not to mention its negative effects on your loan and …
