Your credit score is a representation of how well you manage your finances. While there are many factors that contribute to your credit score, your credit utilization ratio counts for nearly one-third of your final score. Your credit score will affect all of your financial endeavors. Whether you want to buy a boat, open a credit card, [...]
So you always pay your credit card balance off in full every month? That’s the best thing you can do for your credit score, isn’t it? Maybe not. Your credit card balance has a major effect on your credit score. Here’s what you need to know. Credit card balance Your balance is the amount of money [...]
As my son prepared to graduate from high school and was accepted to his first choice university, I quickly realized I would need to refinance my home to help him with college tuition. Unfortunately, my divorce several years’ prior had negatively impacted my credit score, limiting my ability to refinance. Thankfully, my mortgage broker referred [...]
It is undeniable that your credit score is a major aspect of your financial health. Understanding how things affect your credit score is the first step to taking control over your financial health and making sure you don’t put yourself in a bad position when you take out a loan. Read on to understand how [...]
I've been working with NCF for several months and highly recommend their services. I've learned a great deal working with Krista Phillips about credit and credit reporting and her expertise, knowledge and assistance has been invaluable. Thank you Krista and NCF, I could not have reached my goals with you! Wayne - St. Petersburg,Florida
Every year, hundreds of thousands of people become the victims of credit card fraud. This can be an extremely terrifying situation. And to make matters worse, the financial damage it causes can last for years. This means your credit score could take serious time to rebuild. Luckily, there are some steps you can take to [...]
I wanted too say that NFC, has helped me so much! I'm more then thankful and appreciate all your hard work. And krista has been amazing! And all the staff at NCF have been very helpful and really friendly! I will recommend too my peers. Thank you so much you guys are awesome! Credit score [...]
As a first-time homebuyer, there are a lot of things that you will need to consider. It can be quite an overwhelming experience to purchase your first house. In fact, it can be so overwhelming that you may end up spending more money than you intended to. That is why we have decided to put together this [...]
Overall, the average credit score is decreasing over time, especially for the younger age groups. So it only makes sense that people would be concerned about negative information on their credit reports, and how long it will stay there. Read on to find out how the negative things on your credit report might impact your financial [...]
Have you been flooded with invitations to increase your credit limits? There are some real benefits to increasing your credit limit, as long as you don’t go overboard! Below are some of the benefits you'll experience with an increased limit. It’s Easier and Also Cheaper to get More Credit and Additional Loans This is the biggest [...]
