“Why do I need a good credit score?”

“Why do I need a good credit score?”

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...
Repossession? No worries.

Repossession? No worries.

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...
What is forbearance

What is forbearance

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....
Credit Myths

Credit Myths

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...
“Dragging” debt???

“Dragging” debt???

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...
Life is much better with good credit!

Life is much better with good credit!

Life is about perspective, and the way you look at life has a lot to do about how much freedom you have. When you have good credit, it does not only help with smaller monthly installments, but it also allows you to not feel trapped and must settle for anything. How...