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

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 a

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 several

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 off

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

Sadly, there are thieves and scammers out there who may try to steal from your credit card. Here’s what you can do to stop them. Keep Your Card Numbers Safe Do your best to keep your cards covered and not allow anyone to sneak a peek at your card information. When making a transaction, keep

Great job building up your credit score! After all that hard work, you’re probably wondering how you can maintain your credit. Read below to learn more!  1. Pay Your Bills On Time When it comes to late or missed payments, prevention is key for protecting your score. Paying bills on time won’t always boost your

A credit repair service can be the perfect solution for people who need help improving their credit. Unfortunately, there are a lot of scams out there. Here’s how to avoid them. Credit Repair Scams: Red Flags To Watch Out For These are some telltale signs of a credit repair scam: Asking for payment upfront before