May 19, 2020
woman using credit card at home on laptop

5 Ways to Boost Your Credit Score Faster

Your credit score is one of the most important factors in determining whether you’ll receive favorable terms when applying for a mortgage, loans or credit cards. Having a high credit score in essence will save you money. If your credit score isn’t where you want it to be right now, the good news is that you can turn things around. While improving your credit score […]
May 12, 2020
buy a house

Should You Improve Your Credit Score Before You Apply for A Mortgage?

Are you concerned that a bad credit score might keep you from getting a mortgage even at today’s historically low instant rates? Surprisingly, this may not always be true. Some borrowers with bad credit are able to get mortgage financing. In addition, it is also important that you keep in mind that credit scores are not permanent. Here is how to decide whether you should […]
May 5, 2020
graduating student

How Do Student Loans Impact Your Credit Score?

Americans owe trillions in student loans. Despite the fact that some student borrowers are in over their heads, there are many more who are responsible and are making their payments in full and on-time. The good news is that despite carrying student loan debt, you may actually benefit from having student loans. Here is how your student loans help your credit score. Student Loans Boost […]
April 27, 2020
woman shopping with credit card

Good Credit vs Bad Credit: What Are the Differences?

Credit is not a bad thing by itself. The problem for some people lies in how they use credit. If you don’t understand when and why you should use credit, it can lead to negative consequences. On the other hand if you learn how to use credit effectively, you’ll be rewarded with a great credit score. Here are the most important differences between good credit […]