Joining financial forces can be wonderful for a relationship. It can simplify purchases, encourage financial openness, and add trust. However, what does it mean when your significant other has a less than stellar credit history? How will it impact your credit score? As the video states, your individual credit accounts cannot be impacted by your Read more about Credit Score and Marriage/Divorce[…]
It’s the ultimate catch 22 — you can’t get credit without credit history, but you can’t get credit history without credit! What’s a consumer to do?
If you ever plan on borrowing money in your lifetime, you’ll need to establish good credit. It takes several years to establish good credit, and 10 or more years to establish excellent credit. A good credit score also ensure you will receive the lowest interest rate possible on any loan. So here’s the skinny on how to get started. […]
Once you’ve gotten your free credit report (see our post), make sure it’s as clean as can be. Here are some tips on making sure your score is at its best. […]
Do you know what’s in your credit report? By law, the credit reporting agencies (Equifax, Experian, and TransUnion) must tell you everything in your credit report including a list of everyone who has requested your credit report in the last year (or two years if the requests are related to employment). You are entitled to a Read more about Free Annual Credit Report[…]
Chances are you’ve received solicitations in the mail or calls informing you that you have been prequalified for a credit card or a mortgage? Ever wonder how these companies got information about your credit? This practice is known as prescreening, and works in one of two ways. A creditor will contact a credit reporting agency Read more about Opt Out List[…]
This month we will focus on CREDIT. The best way to secure a low mortgage loan amount is with a good credit score. Here are some tips we mailed to our customers, and we’d like to share them with the general population. Be sure to contact us if you have any questions. [fb_button]
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