There is no such thing as a "one-size-fits-all" credit solution.
If you find yourself with less-than-perfect credit, you probably want to raise your credit scores in the fastest, cheapest, and most efficient ways possible. This is a very important and financially responsible goal, but it can be difficult to navigate the often-confusing world of personal credit - even to understand where to begin.
We provide plain and simple answers to your credit questions, and connect you with exactly what you need to raise your credit score!
Did you know that you don’t simply have one credit score? You actually have multiple different credit scores, held by different credit reporting companies and calculated slightly differently. So what else do you need to know? First, about the three major credit reporting companies… You should know that the three main credit reporting agencies are [...]
Tax liens and judgments are tricky subjects, and generally no fun. The simple answer to this question? If you are not disputing a tax lien or judgement, then you need to think about how/when to pay it. Most likely, paying off a tax lien or a judgement won’t help your score right away, and will [...]
So what’s this about a government-mandated annual free credit report? It’s absolutely true! Everyone is eligible to receive one free credit report from the credit agencies each year. While this may sound great (and it’s definitely a good thing) — you should know that this way of accessing your credit report may not be enough [...]
It is incredibly important to develop a strategy for tackling your debt — paying back the right things at the right times. However, some people may come to a point where they simply don’t see a way that they can ever pay off all of their current debt. It’s very important to deal with the issue [...]
Despite the trouble some consumers may have had with credit cards, they can be our friends, too. When used responsibly and correctly, credit cards can help you float money when you need it, organize your expenditures into a single place, or rack up those frequent flyer miles. Most importantly for our purposes, however, credit cards [...]
OK, when someone checks your credit, or makes a credit inquiry, does it negatively impact your credit score? Well, it depends. Was it a hard inquiry or a soft inquiry? A “hard inquiry” occurs when you give a potential creditor permission to take a look at your credit report / scores. This happens when you [...]
With the holidays here, and Black Friday creeping up around the corner, you may be thinking about your holiday shopping – gifts, decorations, travel, entertaining … If you’re like many Americans these days, the looming expenses could be making you nervous. You read our site because you are concerned about making smart financial choices. So, just relax [...]
Everyone should have a strategy for paying off their debt. Forgive our morbid title, but we thought it would be good to post on what you should know about debt settlement and taxes, in order to successfully plan your debt payments. Debt settlement is great — many folks don’t know that oftentimes debt can be [...]
You may have recently heard about the President’s plan to help consumers through instating new credit card laws to protect consumers. In May, he signed the Credit Card Accountability, Responsibility, and Disclosure (CARD) Act of 2009. (read the White House press release here) You’re reading this because you’re concerned about your credit score — so [...]
This is a popular question that we are asked on our site, basically: Will paying of my debt dramatically increase my credit score? The answer to this question, I am sorry to report, is “it depends”. You should read on because in this article we will discuss the different types of debt, and actions you [...]
