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Best Secured Credit Cards To Re-build Your credit

Best Secured Credit Cards To Re-build Your credit

Secured credit cards can be a good option for building or rebuilding your credit. There are five benefits that stand out for consumers with blemished credit or no credit at all. 1.You can often get approved for a secured credit card when you can't get approved for a...

How Does Inquiries Impact Your Credit?

How Does Inquiries Impact Your Credit?

The first step in acquiring credit is a credit inquiry. Hard inquiries impact 10% of your overall credit score. So you’re looking to take advantage of the benefits of a specific credit card. Maybe you are trying to move in into those luxurious apartments. How about...

Tips To Fixing Your Credit!

Tips To Fixing Your Credit!

Pay down your revolving credit balancesNothing more important than payment your bills on time. However, a close second is lowering your credit card balances. If you are in the “Rebuilding” phase of fixing your credit your credit card balances should not be more than...

Is COVID19 Affecting Your Credit?

Is COVID19 Affecting Your Credit?

Since April 2020, due to the pandemic, many consumers started experiencing financial hardship. Many consumers were laid off, lost employment, or had reduced hours of work resorting to little or no income available. Nowadays, most households need two incomes on average...

Credit Mix???

Credit Mix???

When creditors asses your credit file, the better you are at managing different loans and lines of credit, the lower the risk you represent when applying for more credit. One of the five key factors in your credit score is your Credit Mix. This factor, which counts...

How Long Does Credit Repair Take?

How Long Does Credit Repair Take?

The time it takes to repair your credit can vary widely, depending on a number of factors – from how many mistakes you have to fix to what you want to accomplish once your credit is fixed. Since people often repair their credit with a specific goal in mind – like...

Should I Pay My Collection Accounts?

Should I Pay My Collection Accounts?

If you do not pay your creditor, credit card, or other debt, the lender may decide to send your file to a collection agency. A collection agency’s’ job is to call you and take whatever measures they decide are necessary to collect the money. They want to collect...

Can A Repossession Be Removed from Your Credit Report?

Can A Repossession Be Removed from Your Credit Report?

Yes, if you have a repossession in your credit history you have a few options to remove this negative item from your credit report. You could try to remove the repossession yourself, or you could hire a professional credit repair company to help remove the negative...

Should I apply for new credit to improve my score?

Should I apply for new credit to improve my score?

New credit takes up 10% of your overall credit file. When deciding whether to pay cash or finance, it is important to take into consideration your short- and long-term credit goals. Applying for new credit will definitely put a ding on your points for several reasons....