If you read Part 1 on Realistic Steps To Fixing Your Credit Report, then you know that you need to look at a copy of your report and challenge any errors that you see. Now, let’s move on to two…
2016 February
A poor credit score can take the groove out of things in your life. Instead of being approved instantly for a loan, you’re treated like an irresponsible person. Even if you were irresponsible at one point in your life, something…
When you’re ready to clean up your credit report, it can be confusing to know where to start. Depending on how bad it is, you may find yourself struggling to figure out whether you need to call the creditors yourself…
Part of being financially responsible involves staying on top of your credit report. Your report shows you what’s been reported by creditors and should never be taken lightly. It will include everything from missed payments and account balances to charge-offs…
Everyone is pretty familiar with what a FICO credit score is. But there’s a new credit scoring agency in town, and in the next few years it may replace the FICO score all together. What most people don’t understand is…
Have you ever considered getting a loan modification? If so, you’re not alone. Many people who fall behind on their loans are quick to turn to them, hoping they’ll provide some level of relief. But, many soon realize that a…
Make sure the sales contract on your new house or condominium includes a home inspection clause before you sign it. The inspection clause should clearly state that your final obligation to buy depends on the outcome of a professional home…
Need to rebuild your credit? There are several ways to go about improving it. Some are obvious, some not as obvious. Here are two in particular that most people aren’t aware of: Go to a bank or credit union and…
One of the biggest mistakes people make when trying to be ‘responsible’ with their credit is using too much of it. Most people believe that if they use their credit cards to the max and pay it off at the…
A shaky credit score means the difference between getting approved for a loan and being denied. And when you’re ready to go for that first home, or new car the last thing you want is to be denied. If you…