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Many people find themselves with a low credit score even though they always pay their bills on time. Many times instead of seeing their credit score get higher they see in lowering and simply don't understand why. Although paying your accounts is the most important...

Today many people are struggling to make ends meet especially due to the pandemic. The are many layoffs and people are seeking ways to supplement or replace the income they have lost. The solution may even be to start your own small business. There is however a major...

We all know not paying your bills is not the best choice when it comes to your credit file. Your payment history makes up 35 percent of your overall score, making it one of the most, if not the most, important factor used to determine your overall score. Once you miss...

If you have goals such as being a homeowner, having your own car, or paying for children’s college tuition, you will need money to do so. If you cannot afford to pay cash, you will need to apply for a loan. To get approved for the loan, you will need to have a good...

You can improve your FICO Scores by first fixing errors in your credit history. Repairing bad credit or building credit for the first time takes patience and discipline. There is no quick way to fix a credit score. In fact, quick-fix efforts are the most likely to...

The primary reason to keep a good credit score is for when credit is needed, that is, borrowing, leasing, proof of responsibility and stability, and of course, saving money in interest. So it is no secret that creditors want to get to know you by how you have handled...

Have you ever wondered just what the big deal about having good credit is all about? Below is a list of ways that will benefit you in improving your finances and quality of life. Excellent credit is the key to saving money and getting the best rates possible. If you...

Negative accounts such as bankruptcy, tax liens or accounts that have gone to collections and foreclosures. However, as these accounts age you may likely see a substantial increase in your score when these items age. Due to the face that their importance fades over...

It has now been more than a week since unemployed Americans stopped receiving the $600 federal boost. Republicans and Democrats are still battling it out. In the meantime, we are left state unemployment benefit. However, the experts say the American public may not...