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Tag Archives: credit score

Help! I Have No Credit Score

Credit Score Distribution

Establishing a good credit score can be a confusing process, especially if you are getting conflicting advice about the best way to do it. A Credit.com blog reader asked us recently about the best way to build a credit score. He said he plans to start with a secured credit card, but some people are telling him he should pay ... Read More »

    1 in 10 Americans Don’t Have a Credit Score or Credit Report

    credit_report_errors

    One in 10 U.S. adults is invisible to much of the American economy because they have no credit report or score, a new report by the Consumer Financial Protection Bureau has found. Those 26 million adults — disproportionately Black or Hispanic — have virtually no chance to borrow money or use credit cards. And another 19 million adults have credit ... Read More »

      National Debt Relief Shares The Good News For Consumers With Bad Credit

      sabatoging_credit_score

      Philadelphia, PA (PRWEB) April 12, 2015 National Debt Relief recently shared in an article published April 6, 2015 how consumers who has either a very low credit score or zero credit score can finally have an easier access to credit. The article explains how FICO came up with the pilot program and who will mostly benefit from this development. The ... Read More »

        How a ‘Fair’ Credit Score Can Cost You $130K

        Your Credit Score Sucks

        If anything is certain about credit scores it’s that they change. How much they change can depend heavily on your decisions, and if you want to save money, there are steps you can take to attain and maintain a high credit score. How you manage your debt determines whether you have great credit, bad credit or something in between, and ... Read More »

          How to Get Your Finances in Order Before You Buy a Home

          Couple Buying House

          To successfully buy a home these days, you’ll need patience, resilience to rejection and sound financial planning. You don’t need to earn gobs of money to successfully purchase a home — well, depending on your area. You do, however, need to have enough income left over after your proposed mortgage payment and other financial obligations. You need to be able ... Read More »

            Why People With Good Credit Have More Dollars in Their Pocket

            How Much Your Credit Score Costs You

            Credit Karma, an online consumer finance platform with more than 35 million members, today launched a new consumer education website in honor of March’s Credit Education Month to better educate consumers about credit health. The new site, CreditEducationMonth.com, is designed as a first stop for consumers to educate themselves on the importance of actively managing credit, illustrating the impact of ... Read More »

              5 Things You Absolutely Need to Find in Your Credit Reports

              Your Credit Score Sucks

              You probably already know it’s a good idea to review your credit reports and your credit scores. But what happens when you get a copy of your credit report and you aren’t sure what to make of it? In a recent survey by Credit.com, 27% of consumers who said they had reviewed their credit reports were surprised by some of the ... Read More »

                5 Reasons You Can’t Get a Mortgage

                Virtual Mortgage

                Are you gearing up to refinance or buy a home this year? These five things may stop your mortgage dead in its tracks. Here’s what you need to know to prevent your loan application from being denied. 1. Your Credit Score Is Not What You Think It Is This scenario is all too common. A consumer will get one credit score ... Read More »

                  The New Credit Score That Rewards You for Paying More Than the Minimum

                  credit good

                  TransUnion, one of the three major credit reporting agencies, has made several changes in the last few years to the credit reports it provides consumers, in addition to developing a new credit score to help lenders better evaluate potential borrowers. If you’ve requested your TransUnion credit report recently (you get free credit reports every year through AnnualCreditReport.com), you may have ... Read More »

                    5 Ways You’re Accidentally Wrecking Your Credit

                    magnifying glass and a Denied credit application form

                    It’s one thing to knowingly make decisions that hurt your credit score. We’ve all been there, and sometimes tough decisions must be made. But it’s an entirely different situation to accidentally wreck your credit. In some cases, we make decisions without realizing the impact on our credit. In other cases we may know that certain decisions can hurt our score, ... Read More »

                      4 Reasons a Great Credit Score Won’t Solve All Your Problems

                      "Credit rating" handwritten with white chalk on a blackboard

                      More often than not I see clients who tell me they have good credit, yet are still struggling to pay their bills. Having a good credit score is great, but that alone does not necessarily mean you are good with managing your finances or that you’re not in debt. Let’s say you have a great credit score but you have ... Read More »

                        The Change That Could Give Millions of Americans a Better Credit Score

                        The Rentals

                        Millions of consumers could be lifted out of subprime status and get better loan terms if credit reports and scores were broadened to consider on-time utility and rent payments, according to a study released Wednesday by Experian. Experian is advocating for inclusion of non-traditional entries onto consumer credit reports, expanding them beyond loans, credit cards and mortgages. Doing so would ... Read More »

                          5 Things You Do Every Day That Can Improve Your Credit

                          Credit Score Distribution

                          Among all the strategies out there for improving your credit standing, it’s important to take note of the things that are easy. Some of the best ways you can help your credit are so ingrained in your day-to-day routine, you’re probably working on your credit without really thinking about it. The simple, carefree route to good credit — sounds nice, ... Read More »

                            4 Tips for Living Without Credit Cards

                            credit card verification

                            Credit cards can be good financial tools for the responsible consumer. In this day and age they can also feel absolutely essential since some stores, vendors and even airlines require plastic (though you can use a debit card too). But credit card spending can also lead to debt if not done responsibly. Switching to a cash-only life can help avoid this. ... Read More »

                              10 Tips for Boosting Your Credit Score in 2015

                              Credit Score Distribution

                              By Paula Pant, WiserAdvisor.com contributor Your credit score is more than just a three-digit string of numbers; it holds real power over your ability to rent an apartment, apply for a mortgage, secure a car loan and even get a job. What can you do if your credit score isn’t as great as you’d like it to be? Here are ... Read More »

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