Article originally published September 1st, 2016. Updated October 29th, 2018.Â Itâs a common question around these parts:Â how do I fix my credit?Â And, while credit scores do have a lot of nuances, the answer is actually pretty straightforward: pay all your bills by their due dates, keep your debt levels low, add a mix of accounts… Read More
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If you’re considering a balance transfer, start by checking your current balance and APR and understanding the terms, conditions and fees of the balance transfer offer. These tips will help you do a balance transfer successfully.
Since the National Consumer Assistance Plan went into effect in 2017, public records must meet strict requirements in order to appear on consumer credit reports. Civil judgments and tax liens do not meet these new requirements, so they were removed from credit reports. At this point, the only derogatory public record that should appear on… Read More
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When it comes to excuses consumers give for their poor credit scores, banks and lenders have heard it all.Â Maybe you lost your job and couldnât pay your student loan payment for a few months.Â Or perhaps you thought youâd gotten a deferment but were too busy job hunting to find out for sure.Â Maybe you […]
Itâs a common misconception that there is one, singular credit score for each consumer: âMost people would seriously be stunned if they knew just how many credit scores there are.â
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If youâre serious about your credit score, you need to pay your bills on time. One late payment can have a devastating effect on your credit score. Hereâs what you need to know about late payments and your credit score, and what you can do to protect yourself. How Late Payments Affect Credit Scores Your… Read More
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