what is a credit report and credit score
Credit Score

What is a Credit Report and Credit Score?Key Details You Need To Know

Learn What is a Credit Report and Credit Score? Ever ask yourself the question what is a credit report and credit score?  Some folks think it’s one in the same, but it’s really not.  So, this post his here to clarify the difference. Alright, guys, it’s time to have the talk. The dreaded ‘C’ word — credit — has millennials and Gen X’s alike confused about what the heck they should be doing. We’re here to tell you that it’s okay. It’s a tricky subject, and on top of that, it’s one that greatly impacts your financial future. You need a Read More…

past due medical bills showing how do medical bills affect your credit score
Credit Score

How Do Medical Bills Affect Your Credit Score? Tips To Help You Cope

How Do Medical Bills Affect Your Credit Score Trying to finance an auto loan or get a new mortgage and you’re just finding out that you have delinquent unpaid medical bills on your credit report.  One question that should immediately come to mind is how do medical bills affect your credit score and how do I get them removed?  In addition, you might also consider questions like do medical bills affect your credit when buying a house, car or obtaining a student loan. If you’re one of the 43 million people with debt from unpaid medical bills on your credit report you’re Read More…

man checking off list indicating what is a decent credit score
Credit Knowledge

What is a Decent Credit Score? Essential Knowledge You Need To Know

What is a Decent Credit Score?  Find Out Here. Scratching your head trying to understand how your credit score is calculated and wondering even more what is a decent credit score? Are you part of the majority of Americans who don’t know how their credit score is calculated? Are you clueless when it comes to determining whether or not you’ve got a good credit score? If so, it’s time to get on top of your finances. Read on to finally get an answer to the question “what is a decent credit score?” We’re also sharing some practical advice to help you improve Read More…

debt relief sign indicating the best credit card consolidation programs
Improve Your Credit

The Best Credit Card Consolidation Programs: Easy Credit Relief Options

The Best Credit Card Consolidation Programs You Need to Know About Your credit card debt is building up and you’re wondering if it’s time to start looking for the best credit card consolidation programs.  Credit cards are great to have on hand in the event of an emergency. But if you get stuck in a pile of credit card debt, it’s extremely difficult to get out. High-interest and late fees add up quickly and falling behind with payments will affect your credit score negatively.  So, what should you do? The first thing on your checklist should be to gather all Read More…

sign bad credit buried in paper offering credit help programs
Credit Knowledge

Credit Help Programs: Reliable Relief Options To Help You Breath Easier

3 Interesting Things About Bad Credit Help Programs Looking for credit help programs that may offer financial breathing room? If you feel like there’s a dark financial cloud following your credit history around, you should know that nearly 35% of Americans have credit problems. In fact, other people have no credit history at all. But an increasing number of financial institutions are developing bad credit help programs designed for people with bruised credit histories. Whether you have debt from a divorce or legal settlement, or overuse of credit, there are options to repair credit. While your debt probably won’t eliminated completely, collection Read More…

fix your credit with online credit repair services
Improve Your Credit

Online Credit Repair Services: 10 Crucial Clues You Need To Use One

You Can Benefit From Online Credit Repair Services About 33 percent of Americans have a credit score lower than 601 – which, according to Experian, is the difference between bad and fair credit. Only a small percentage of Americans have downright bad credit. As you grow older and start to become more financially independent, you realize that having a good credit score is one of the most important things an adult can have. But life happens, and you may find yourself with bad credit. The good news is regardless of your score right now, the good news is there are steps you Read More…

globe of credit cards free credit repair service
Improve Your Credit

How to Find the Best Free Credit Repair Service With These Easy Tips

How to Find the Best Free Credit Repair Service How does your debt impact your life? The latest statistics show that the average credit card debt in America is rising at a rate of about 7 percent. Moreover, unresolved personal debt contributes to a lower credit score for the average American. Whether your financial issues stem from credit card debt, late payments, or even identity theft, you can recover from a bad credit score. Read on to learn how to find the right free credit repair service for you. Do It Yourself Solutions What can you do to improve your own credit score? Read More…

couple worrying about how to fix a bad credit report
Improve Your Credit

5 Really Smart Strategies On How To Fix A Bad Credit Report

How to Fix a Bad Credit Report – 5 Strategies To Improve Your Credit Credit is a mystifying and frustrating roadblock for many people. So, if you’re trying to apply for a new credit card, take out a loan, or get a mortgage, your credit is everything. Therefore, follow these five tips on how to fix a bad credit report and live your best life. 1. Reduce Your Credit Card Utilization to Fix a Bad Credit Report Excess credit card utilization is one of the biggest impediments to a good credit score. While high utilization does not necessarily translate to Read More…

sign saying fix your credit with a credit card assistance program
Credit Knowledge

When Do You Need To Use A Credit Card Assistance Program?

Should You Apply for a Credit Card Assistance Program? Households in the US on average have about $16,000 worth of credit card debt. Dealing with credit card debt can be difficult and stressful. It can also be hard to catch up on bills if you are experiencing a financial hardship or sudden medical expense. One little talked about option are credit card hardship or assistance programs. Wondering if you should apply for a credit card assistance program? Keep reading below for all the information you need. The Basics These assistance programs are offered to credit card holders going through difficult times like Read More…

consumer trying to understand what is credit card utilization
Credit Score

What Is Credit Card Utilization: Essential Keys To Improving Your Credit

What Is Credit Card Utilization And Why You Should Care Has your credit score been going down recently? Are you having trouble managing your line of credit responsibly? One of the main factors that influence your credit score is your credit card utilization. If your utilization ratio is poor and you’re using too much credit line you may notice your credit score decreasing. Below we’ll discuss what is credit card utilization and why it is the key to improving your credit score. The Effects of Credit Card Utilization If your trying to understand what is credit card utilization and how it Read More…