In 2021, the credit repair industry in the United States was worth $3.4 billion. Around one-third of all American consumers have found at least one error on their credit report. The errors can range from simple misspellings to incorrectly reported bankruptcies. Some errors can bring your entire credit score down, thus making it difficult to …
Best Credit Repair Software: Here are 10 Top Options Read More »
Have you ever been out enjoying the weekend knowing that you have $500 in your account to spend and wake up to a nightmare Monday morning that you are overdrawn and slapped with a $35 overdraft fee? Or that charges on your credit card have been declined? Credit cards have a lot of advantages. Be …
Current Balance or Available Credit — What’s the Difference? Read More »
You’ve just gotten home from work and sat down to dinner, and the phone rings. The caller says he can help you repair your bad credit and offers the promise of getting it back up to par. Do not fall for it. Before turning to a potential scammer posing as a credit repair organization for …
Credit Repair Organizations Act: Here’s What You Need to Know Read More »
Seeing your credit score suddenly drop for an unknown reason can certainly give you a scare. There are a number of reasons why your score may have dropped, ranging from small mistakes like a single missed payment to much more serious situations if a stranger has gotten a hold of your financial information. If you’re …
Why Did My Credit Score Drop? Here are 10 Possible Reasons Read More »
Having bad credit or no credit can complicate your financial life. Even with a reliable income but no credit history, you will be deemed a risk because you don’t yet have a track record. A lack of credit can result in trouble finding a place to live, inability to get a car loan, or paying …
How to Use a Secured Credit Card to Build Credit Read More »
Roughly 45 million Americans have no credit scores. They may be effectively locked out of many financial services. They may not be able to buy a home or rent an apartment. They may pay extremely high interest rates for loans. If you’re in this position it’s important to understand your situation and know what you …
Insufficient Credit History or No Credit: What’s the Difference? Read More »
A credit score is a three-digit number that gives lenders and creditors an idea of your credit risk. It’s used in many aspects of life, from apartment rentals to financing big-ticket items. Your starting credit score depends on several factors, including your credit habits and the scoring system used. With that in mind, here’s how …
You’ve spent many weeks hunting for a new place to call home and you think you’ve finally found “the one.” But whether you’re renting or buying, there are still plenty of papers to be signed before you can pack up your stuff and call the mover. Before you start any house or apartment hunt — …
Netflix has about 222 million subscribers, and Disney, which owns Hulu and ESPN, has nearly another 200 million subscribers. That’s a lot of opportunity for millions of people to increase their credit scores. Let’s face it, having good or bad credit affects every facet of your financial life. Life is impacted by your credit score, …
Do Subscriptions Like Netflix and Hulu Build Credit? Read More »
If you find yourself in a bind and need some cash to pay a bill, buy some groceries, a new car or have an emergency, sometimes it isn’t easy to get the money you need. And if you have no credit or even bad credit, what’s a person to do? Thankfully, you have some options …
Is No Credit Better Than Bad Credit? Here’s What You Need to Know Read More »
