Credit

Home Renovation Loans for Bad Credit

Whether you’re looking to make minor updates to your kitchen or need a complete bathroom remodeling, home renovation projects can be expensive. Unfortunately, many home improvement loans are reserved for borrowers with exceptional credit. If your credit leaves a lot to be desired, you may think your home renovation dreams are out of reach. Fortunately, …

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Home Renovation Loans for Bad Credit

How Does Divorce Affect Credit Score?

If you are currently going through a divorce, you are not alone. Statistics show almost 50 percent of all marriages in the United States will end in divorce or separation. While this major life change can take an emotional toll, it can also greatly affect your financial stability and credit score. How does divorce hurt …

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How Does Divorce Affect Credit Score

Mortgage Applications & Credit Inquiries: What You Need To Know

How does a hard credit inquiry affect my score? If you’re looking to buy a home, you may be wondering about the mortgage application and how that impacts your credit score. (HINT: There is great news within) When applying for a home loan, this requires a hard pull on your credit, also known as a …

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How Your Credit Score Affects the Cost of Your Mortgage

You probably know that a higher credit score helps you get a better interest rate. But there’s more to it than that. Your credit score directly affects the interest rate on your mortgage. The difference between a “good” versus an “excellent” credit score can save you thousands of dollars on interest. Most people know that …

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Is a Credit Counselor Right for You?

While some people do just fine with DIY budgeting, others need a little help managing their finances and maintaining healthy credit.   What is a credit counselor? A certified credit counselor is someone who looks at your entire financial situation and helps create a personalized plan for getting back on track. If you work with …

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Top 5 Little-Known Facts About Credit Scores

When it comes to credit scores, there’s a lot of conflicting information out there. Check out these little-known facts to keep you informed.   1. There are several types of credit scores The phrase “credit score” is an overarching term used to describe how likely you are to pay your bills on time. There are …

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Starting From Scratch? Here’s How to Build Your Credit

If you don’t have a lot of credit history, it may seem a little intimidating to get started. But starting from scratch isn’t as difficult as you might think.   Understand factors that could hurt your score Prevention is key. Once a late payment is sent to collections, this will harm your credit, and paying …

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Top 5 Things That Affect Your Credit Score

How is your credit score calculated? Read below for the full breakdown. Credit can get pretty complicated because there are several different models and versions of your credit score. To keep things simple, we’ve broken down the main factors that impact your FICO score, which is the most widely used credit scoring model. Your FICO …

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