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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.

When Your Significant Other Shatters Your Credit Score

When Your Significant Other Shatters Your Credit Score

You trusted your significant other with everything: your deepest fears, your dearest dreams, your truest self… but maybe you should’ve drawn the line at your credit. While significant others can be a great source of comfort and affirmation, they also hold the power to ruin your finances for years to come, long after you’ve deleted […]

How Identity Theft Destroys Your Credit

How Identity Theft Destroys Your Credit

You’ve probably heard the phrase “If it seems too good to be true, it probably is.” There’s definitely something to that advice, especially if you want to keep your good name intact. There are all sorts of schemes that criminals use to steal your identity and ruin your credit in the process. Here’s a seemingly […]

An Introduction to Credit Score Consumer Protections

An Introduction to Credit Score Consumer Protections

There is no doubt that America is largely defined by consumerism. Once credit cards and bank cards joined the market as available forms of payment, suddenly our wildest dreams were only a swipe away. But along with this new age in consumerism came a new age of theft. Just as in nature — where predator […]

What is Identity Theft & How Can You Prevent It?

protect against identity theft

It’s late at night, you’re walking down a dark alley, a stranger comes out from the shadows and demands your wallet. Without hesitation, you hand it over. You have no choice. It’s a scary face-to-face encounter, but you live to tell the tale.   However, a thief now has your name, credit cards, driver’s license, […]

When Your Business Partner Burns Your Credit Score

Business partner ruins credit score

Finding that special person to start a business with can be overwhelming.  Hopefully, you’re able to turn to a relative, a spouse, or a friend to help you achieve your dream, but not everyone is so lucky.  Plenty of people end up trusting a relative stranger with their financial futures, and this can be just […]

What Can You Do if Your Parents Trash Your Credit?

Our parents take on a lot of responsibility when raising us.  Not only are they tasked with keeping us alive for eighteen years, but also for imparting wisdom that will guide us in later life.  They’re meant to demonstrate habits that we can replicate in our own adult life when we don’t know what to […]