Do you know if you have a good credit score? If you are looking to get a copy of your credit score, then chances are good you are looking for your FICO credit score, which is the credit score most frequently used by lenders. Unfortunately, the only place to get a copy of your FICO [...]
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When we think of what hurts our credit scores, we often focus on missed payments and large amounts of debt. But you might be surprised to discover what else might be weighing on your credit. Remember that, even if you don’t think of it as a loan, or credit, other people that you owe money [...]
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There is no doubt that your credit history is an important part of your financial life. It’s fairly common for consumers to understand that the three major credit bureaus — Equifax, TransUnion, and Experian — offer insight into how others view them. You can get a free credit report from each of these bureaus every [...]
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My wife and I bought a house last April, and while we were going through the house buying process, I was curious about the role my credit score would play in getting the mortgage and how it would be affected once we got the mortgage. Of course, I know you need a good credit score [...]
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It’s true that the fastest way to build credit is to use a credit card. However, many people prefer not to use credit cards. Even if you don’t want to use credit cards, though, your credit score is important. Mortgages and car loans require that you have good credit if you want the best rates. [...]
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I hate debt. It’s really that simple for me. I am uncomfortable with the idea of owing money, and so I generally avoid debt as much as possible, and I work to pay off any debt I have as quickly as possible. As of right now, the only debt I carry is my student loan [...]
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Consumers understand that the difference between being approved or denied for credit is often based on the magic three numbers that make up their credit score. What some consumers may not know is the fact that there is more than one credit score available for lenders to review. Most people are familiar with the FICO [...]
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