What’s Really Driving Your Credit Score These Days?

Your credit is becoming more and more important. Sure, there are some renegade personal finance articles out there that say that you really don’t need credit anymore, since you can buy just about everything in cash. However, there are some opportunity costs that you really need to be aware of. You’re going to need to …

Improving your Credit Rating

Most lenders will use a credit check of some sort to predict an applicant’s repayment behavior. There are three main credit reference agencies; Experian, Equifax and CallCredit. These companies will provide lenders with credit records of applicants. These credit records will be divided into two main sections, a credit score and a credit report. The …

Getting to Know & Improving your UK Credit Score

When it comes to good or bad credit statuses some people often find themselves confused as to what a particular Bank, Lender or financial institution is referring to, with this in mind we thought it was about time to spell out some tips for those with bad credit to improve their score and for those …

Improving your credit score

Although now is a good time to think about buying a new car, as the market for cars is struggling, it is also a difficult time to get credit. People and businesses around the world are finding it hard to get credit so having a good credit score is essential to help you get the …

Improving your credit score

Having a bad credit score can cost you literally thousands of dollars if you try to get a mortgage or car loan. The lower your credit score is, the higher the interest rate you will have to pay, if you can even get a loan in the first place. Thankfully, there are some things you …

Avoiding identity theft

Identity theft is in the news a lot these days. It is a rapidly growing type of crime. It can damage your credit and it can cost you lots of time and money to solve the problems that identity theft can create. Fortunately, there are a number of steps that you can take to protect …

The Difference Between Good and Bad Debt

There are some people that feel that all debt is bad and some that feel it all has its place, however, many people do not know the difference between good and bad debt. If asked, perhaps many may say that credit cards, overdrafts and short term loans would be bad debt and mortgages good debt, …

Credit Counseling Should Include Both Spouses – Here’s Why!

Are you looking at trying to make a big exchange this spring? Do you want to improve your finances? Could you see yourself having a better credit rating than what you do now? Are you committed to making this a reality? If you answered yes to all of these questions, you’re in great company. This …

Stop the Presses – Secured Credit Cards Are Back!

If you’re trying to bring your credit score back to life, don’t worry — we know exactly where you’re coming from. The economy has gotten worse and worse, and it’s no secret that people are having a hard time making ends meet. This also means that credit is harder to maintain because there’s not a …

Spring Is Here – New Credit Cards After Bankruptcy Is a Reality

Focusing on credit cards after bankruptcy might sound odd. After all, isn’t that what got you in trouble in the first place? However, hear us out. We think that credit can indeed be a good thing as long as the mind has shifted. If you assume that credit is a bad thing, then you’re going …