May 12, 2020

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

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

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 […]
August 26, 2019

Is it Legal to Have Accurate Information Removed?

Show me a law that shows that credit information must be reported to the credit bureau… I’l wait… Can’t find one? That’s because there are NO laws that say credit information must be reported to your credit report in the first place. There aren’t event any laws that say the credit bureaus have to exist. There are no laws that say credit report information has to […]