When you are reviewing your credit report what happens if you find something incorrect? You can file a dispute directly with the creditor or your can write something called a 609 dispute letter.
Leer más
Are you thinking about buying a new car? Like purchasing a house or taking out student loans, purchasing a car is a big life decision that you should not take lightly or rush into. How can you ensure that you will make a smart decision this time around?
Leer más
We’ve all been out shopping and have been tempted by the immediate and significant savings you can get by opening a store credit card. Like everything when it comes to finances, store credit cards are neither good nor bad but should be approached with caution and awareness.
If you are looking to either build up good credit or develop better spending habits there are many options out there for you to consider. One of them is a secured credit card.
Leer más
The goal of all debt is to pay it off and be done with it. But did you know that paying off a loan or credit card can actually hurt your credit score?
Leer más
Whenever you do anything with your credit some sort of record is formed. One of these records is called a hard inquiry.
Leer más
While many people are looking for help fixing their credit there are also those out there looking to build credit from nothing. If you have no credit or very little credit history, how do you get started building it up?
Leer más
Of the many things that make up your credit report and credit score, late payments play a big part. If you are trying to rehabilitate your credit and get past some late payments, how long do you have to wait until they disappear from your report?
Leer más
Cuando se piensa en comprar una casa, siempre es prudente familiarizarse con lo básico. Una hipoteca es un acuerdo entre el prestamista y el comprador que dice que si los pagos no se hacen, el prestamista tiene derecho a recuperar la propiedad.
Leer más
There are many bells and whistles that come with every credit card. One of the most common perks is the ability to get a cash advance on your card. But is this “perk” really worth it?
Leer más
When you are trying to build up your credit you want to try and get rid of any negative marks you may have incurred in the past. One of the things that you may be looking to get rid of is an eviction. How long does an eviction stay on your credit report and is it possible to get rid of them?
Leer más
Having and using a credit card means you may encounter erroneous charges on your statement. How can you go about fixing them and in what circumstances allow you to file a dispute with your credit card company?
Leer más
Your credit score and credit report are snapshots of your overall financial activity and financial health. Every payment you make, every credit card you apply for and every loan you have taken out are reflected there. So with that in mind, how can you improve your score?
Leer más
Unless you are using all cash you will need to get approved for a car loan and make payments over a number of years. But getting approved for a loan is not always a cut and dry process, especially if your credit isn’t perfect.
Leer más
There are a few big ticket items that most people will purchase at some point in their lives. To make the best possible choices you need to effectively plan before you sign on the dotted line.
Leer más
The most important part of responsibly using a credit card is making on-time payments. So figuring out when to pay your credit card bill should be a no-brainer, right?
Leer más
There are many ways you can tackle your debt, one of those being debt consolidation. So what exactly does debt consolidation mean and how do you know if it is a good strategy for you?
Leer más
Identity theft is one of the most prevalent financial crimes to befall ordinary people. But what exactly is it and what does a thief actually do with your stolen information?
Leer más
Just when you thought the summer was starting, kids are rushing out to pick up pens and binders and the latest gadgets for their next year of school. This year approach your back to school shopping with a little more strategy to ensure that you stay on budget.
Leer más
Credit is easy to ignore until it isn’t. Nearly a third of Americans have credit scores of 601 or lower, which is considered bad credit. Aside from applying for a mortgage, how does that score actually affect you?
Leer más