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Category: Credit Scores

Whether you’re trying to buy a car, rent an apartment, or take out a small business loan, there’s one common metric that lenders will judge: your credit score. Credit scores can range from 300-850, and the higher your score is, the better. Dealerships, landlords, and banks use this score as an easy way to access how trustworthy you are, because, in the financial world, your word and your promise isn’t always enough.

Three major credit bureaus determine your credit score, and they rarely negotiate. One mistake can decimate your score, while it will take several years to climb back up. This can be particularly frustrating, as your credit score determines your financial success. If you’re aiming to understand your credit score more, there are plenty of resources available below.

How Do Secured Credit Cards Help Build Credit?

Secured credit cards

You’re looking to make a large investment, like a car or home, but your credit score isn’t as high as it could be. Maybe you’re new to the credit world and you haven’t established a credit history for yourself. Or, perhaps you’ve made some weighty credit mistakes in the past and you’re scared that you […]

How Does Medical Debt Affect Your Credit Score?

Medical debt

If you live in the United States, chances are you will have to deal with medical bills at some point in your life. Surveys show that 79 million Americans have problems with medical bills or debt — this is around 24% of the U.S. population.  Whether it’s from a broken bone or from a bout […]

Does Joining the Military Help or Hurt My Credit Score?

Military career

Unfortunately, there aren’t many magic buttons to fix your credit score. Fortunately, on a similar note, there aren’t many that directly tank your credit score either. Both credit gain and deterioration take time and dedication, which your credit score is meant to reflect to potential lenders. So, joining the military won’t automatically help or hurt […]

Is Your Credit Report Accurate?

credit repair

Your credit report is an indicator of your financial stability, trustworthiness, and general ability to handle debts and credit responsibly. Lenders look over a credit report to determine if a person qualifies for a loan (or credit card) and how much money they are willing to give them. Additionally, many employers will look at a […]

When Your Kids Trash Your Credit Score

When kids trash your credit score

You’re used to your kids draining your wallet: no matter what stage of life they’re in, they always need something, whether it’s more diapers or rent money. But that’s part of a parent’s job, to support their kids through tough times. They’ve got to learn independence, of course, but every kid stumbles a couple of […]

The Fundamental Habits of People Who Have Good Credit

Fundamental Habits of People Who Have Good Credit

Do you know anyone who just seems to get money? This person can do no wrong when it comes to managing debt, credit cards, and mortgage payments and somehow, at the end of the day, they always have enough for a night on the town. This is the person that we all want to be […]