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6 07, 2020

Is It Time to Refinance Your Mortgage?

By |2020-07-06T10:27:33-05:00July 6th, 2020|Financial, Home Buying, Improving Credit|0 Comments

Refinancing is the process of paying off an existing loan with the proceeds from a new loan and using the same property as collateral. Usually, the interest rate on the new mortgage will be less than the old, the loan will cost less and you will save money. However, refinancing isn’t appropriate for every homeowner. [...]

19 12, 2019

The Basics of Credit: What to know before you borrow

By |2019-12-20T15:05:29-06:00December 19th, 2019|Improving Credit|0 Comments

In its most basic sense, credit means having the use of something before you pay for it. This ability to borrow adds flexibility to planning and makes it possible to pay for expensive items over a period of time. There are many types of credit that you can choose from, and each has its own [...]

19 12, 2019

Boost Your Credit Score in Days Through Rapid Rescoring

By |2019-12-19T10:31:37-06:00December 19th, 2019|Improving Credit|0 Comments

Finally, after all that looking, you’ve found the perfect home and are ready to make an offer. Everything is in order – almost. At the last minute, you discover that your credit report contains incorrect information. Errors have negatively impacted your score to the extent that you can’t qualify for an ideal mortgage. Don’t worry, [...]

19 12, 2019

Four Tricks to Boost Your Credit Score Quickly

By |2019-12-19T10:22:42-06:00December 19th, 2019|Improving Credit|0 Comments

First thing’s first: there is no magic solution to raising your credit score overnight. If you have a low score due to, say, bankruptcy (which can affect your credit for up to seven years), boosting it requires a long-term plan of consistent on-time payments and other responsible credit practices. However, a low score due to [...]

19 12, 2019

Non-Traditional Credit Scores: Your Key to Better Borrowing

By |2019-12-19T09:37:21-06:00December 19th, 2019|Improving Credit|0 Comments

If you are among the millions of Americans who have not yet used traditional forms of credit, you may think you have to turn to expensive sub-prime lending institutions in order to borrow money. Without a history of using credit cards or loans, you won’t have a traditional credit score – which most financial institutions [...]

19 12, 2019

VantageScore: A Simpler Credit Score

By |2019-12-19T09:28:06-06:00December 19th, 2019|Improving Credit|0 Comments

Credit scores have a major impact on our financial lives. Lenders and other organizations rely on these numerical “grades” to make objective and accurate business decisions. Good scores enable you to borrow money easily and with attractive interest rates, while poor scores result in high-interest loans and lines of credit – or being denied the [...]

18 12, 2019

Can No-Limit Credit Cards Limit Your Credit Score?

By |2019-12-18T23:28:49-06:00December 18th, 2019|Improving Credit|0 Comments

If you are familiar with the way credit scoring works, you probably know that avoiding being “maxed out” on your credit cards and other revolving accounts generally impacts your score in a positive way. You might also be aware that the FICO score – the most popular model – dedicates 30% of its score calculation [...]

18 12, 2019

Your Credit Score: Everything you need to know

By |2019-12-18T22:55:18-06:00December 18th, 2019|Improving Credit|0 Comments

Credit cards are a powerful financial tool. If you use them wisely, they will help you achieve your financial goals. But as the saying goes, with great power comes great responsibility. Abuse them and you will find yourself in a world of financial hurt. If you recently got your first credit card, here are nine [...]

18 12, 2019

Nine Tips for First-time credit card users

By |2019-12-18T22:31:52-06:00December 18th, 2019|Improving Credit|0 Comments

Credit cards are a powerful financial tool. If you use them wisely, they will help you achieve your financial goals. But as the saying goes, with great power comes great responsibility. Abuse them and you will find yourself in a world of financial hurt. If you recently got your first credit card, here are nine [...]

10 12, 2019

Six Confusing Things About Your Credit Report (and What they Mean)

By |2019-12-10T10:42:53-06:00December 10th, 2019|Improving Credit|0 Comments

If you’re not used to reading them, credit reports can make about as much sense as a restaurant menu printed in a foreign language. At least in a restaurant, you can point to what someone else is having. But if you don’t know how to read your credit file, you could make mistakes that could [...]

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