3 Ways Bad Credit Can Affect You That You May Not Have Considered

If you've missed some credit payments or paid late, you know your credit score will likely be affected.? How much depends on how many late or missed payments you have and how long ago they were.? Your credit score will be impacted even further...

Simple Ways to Improve Your Credit Score

Has your credit score dropped recently due to late payments? Or, have you maxed out all of your available credit? Having a low credit score is bad because anytime you apply for a new loan in the future you will either be turned down...

4 Ways to Improve Your Credit Score Before You Enter the Housing Market

If you've been putting off entering the housing market, now is the perfect time to jump in, if you're financially ready.? The market is beginning to rebound, and as a result, there are more houses for sale than in the last few years.? Even...

Credit Scores For Free

For a long time now, consumers have been able to get a free copy of their own credit report one time each year from each of the three main credit reporting agencies, TransUnion, Experion and Equifax. And that has led some consumers to mistakenly believe...

How Important Is Your Credit Score?

Well it is not nearly as important as the banks, the lenders, the credit bureaus, the entire system will have you believe. Of course, a high credit score can get you lower rates and better terms when you borrow money. A...

How Low Can It Go

Well the perfect credit score is 850 but it seems that the worst possible credit score is only 300. Even so, apparently it is rather difficult to get a 300, you have to hit bottom in every single category and then probably go...

My Credit Score and Report

The beginning of a new year is a good time to evaluate your credit score, your credit report and your finances in general. You can receive a free copy of your credit report to check for errors and mistakes and to see how you're...

Hoping For Changes To FICO

What happens when the bank reduces your line of credit due to no fault of your own? Well, you would think that it would be fair if it didn?t affect you. After all, if you have been timely with your payments and you have kept...