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Good credit is always a plus, but it's especially helpful when you're starting your adult life. At that time—when you may need a new job, a car loan, car insurance, an apartment and maybe a credit card—having a positive credit history and a good credit score can open...

Your credit score could have taken a dive after paying off a credit card if you closed that credit card when the balance hit zero. While paying off and then closing the card may have been your goal all along, the action could actually hurt your score. This is why it's...

Paying off student loan debt can affect much more than your credit score. It also helps create a strong foundation for your loves and yourself, these are some other benefits. Pay off high-interest credit cards. Would help you save money in two different areas like...

How Long Does It Take to Rebuild a Credit Score? There's no set timeline for rebuilding your credit. How long it takes to increase your credit scores depends on what's hurting your credit and the steps you're taking to rebuild it. For instance, if your score takes a...

You may not need a credit history for now, perhaps you are not even thinking about how to improve your credit score. But at some point you will find a fantastic opportunity and you cannot access it because you do not have good credit. Imagine, what happens if you need...

Vehicle Repossessions on your credit report have one of the biggest impacts in your credit score. We all know a Repossession negatively impact our credit scores But, what exactly is a vehicle repossession? A vehicle repossession happens when a vehicle-secured loan...

Forbearance, is a tool consumers are utilizing more than ever. Forbearance is when your creditor/lender allows you to temporarily pay your account at a lower payment or pause payments altogether. You will have to pay the payment reduction or the paused payments later....

When it comes to credit files and credit scores, there are tons of myths. One of the most common, if not the most popular, myth that people assume is that they have to wait for 7 years or more for items to fall off their credit report. Some people even think is 10...

Having to deal with collection accounts for 7 years is tough, very very tough. The stress of knowing you owe creditors that once helped you, the worry that you might never get out of debt given certain life circumstances, the great impact on potential employment, the...