How To Lower Interest Rates On Credit Cards

October 10th, 2017|

Credit card debt is massive in America and continues to grow. Research has indicated that by the end of 2017 new credit card debt will reach $60 billion. We will [...]

How Do Credit Inquiries Affect Your Score?

September 29th, 2017|

When you apply for credit, you allow lenders to request a duplicate of your credit report from a credit bureau. Every time a lender accesses your credit file, they leave [...]

How Long Does It Take To Build Credit?

September 20th, 2017|

Good credit will make it easier to achieve what you want. This might be a new car, a new house, a credit card, or a new cell phone plan. Most [...]

What Happens When an Account Is Charged Off

August 29th, 2017|

Being in debt is an extremely stressful situation. Student loan debts are on the rise compared to any other debt. While not historically the highest it has ever been, consumer debt [...]

How Credit Score Is Determined Part 5 – New Credit

August 4th, 2017|

How new credit affects your credit score The truth is that about 10% of your FICO score is made up of what is called “new credit.” This new credit has [...]

How Credit Score Is Determined Part 4 – Length of Credit History

July 3rd, 2017|

Have you ever wondered whether that old credit card that you opened up in college still benefits you? Well, lucky for you, it actually can in some ways. That’s because [...]

How Credit Score Is Determined Part 3 – Types Of Credit

June 13th, 2017|

If your credit utilization ratio is low, and your payment history is good, why might your credit score still not be ideal? Many people think that if they only master [...]

How Credit Score Is Determined Part 2 – Payment History

June 2nd, 2017|

By now we all know that the total balance of payments is a major factor in determining your credit score. What happens if you keep less of a balance on [...]

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