Having a bad credit score can make achieving your future goals and financial targets difficult. A bad credit score can make you miss out on home ownership, financial savings, and other benefits. A bad or low credit score can be more difficult to get banks and lenders to see you as anything more than a...
Category: <span>Credit Score</span>
3 Crucial Things to Consider When You Shop First Time Loans with No Credit
As young high schoolers graduate and make their way off to college, or a trade school, or their first ‘real’ job, many of the realities of adulthood will become apparent to them for the first time. They start shopping for their own living space; they take out their first credit card; they now have to...
Your Options for Taking Out a Personal Loan With a 600 Credit Score
You know it’s coming, but it terrifies you nevertheless. You’re checking because you need money, and you’ll never have enough overtime to get what you need. A loan is your only option. You open up your credit score report, and those three numbers are staring right back at you. And there’s nothing you can do...
How to Find Personal Loans for a Credit Score Under 550
If you have a credit score of 550 or below, then you’re probably already aware of just how tall an order it really is to find a loan. You’ve most likely faced a situation where a lender checked your credit score, saw how low it was, and pulled the rug out from under you right...
Why Having Bad Credit is Better Than No Credit at All
Having Bad credit versus no credit has been a debate among many people for a while now. Everyone has their own reasoning behind why they feel one is better than the other, but you might find it a little difficult to formulate an opinion on that if you haven’t personally experienced it. I personally have...
Preparing Your Family for the Day You’re No Longer There
You may not dwell on it, or even think about it, but you can’t escape it: there will come a day when you won’t be around anymore, and your family will have to keep going without you. I know: it’s not pleasant to think about, and you definitely don’t want to linger on it and...
How to Check and Fix Discrepancies on Your Credit Report
One of the most misunderstood things in the world, at least when it comes to finances, is credit. There’s plenty of information out there about what works, what doesn’t, and what you should be doing, that you’re not, to get a great credit score. Some people will tell you that you need to open up...
When You Don’t Spend Enough: Understanding Credit Utilization
There’s a common saying in many circles of wisdom: that less, is more. You’ve probably heard it uttered by dozens of artists, interior designers, business managers, and auto salesmen. You may have even used it yourself a time or two. Regardless of where it came from or who uses it most, the principle remains unchanged:...
How Long Will it Take for my Credit Score to Improve?
One of the first questions that people ask when they start trying to build better credit is, “How long will it take?” It’s a valid question. We prefer predictability in as much of our life as we can get. We know it takes around nine months for a baby to be born, so we can...
Understanding What Does and Doesn’t Affect Your Credit Score
Understanding your credit can be very confusing at times. There’s so many factors that go into it… The things we thought affected our credit doesn’t, and what we thought didn’t affect our credit, actually does. So it’s very important to understand how credit works, so that you can take full control of your credit health....