Buying a house is probably the biggest purchase you will ever make in your lifetime (unless you end up buying buildings in Manhattan). When you are...

There are two types of loans or debts which a person can possibly have. One type is an installment loan. (For example: mortgages, auto loans, or any...

The best time to plant an apple tree was 10 years ago; the second-best time is today! The same is said about building credit. The best time to build...

One of the biggest factors that credit models look at when calculating a credit score (it makes up 30% of a Fico score) is credit utilization....

What Is A Rapid Rescore? When applying for a mortgage, it is very important for you to have your credit file up-to-date. That’s why most mortgage...

You got a credit card statement in the mail, and… Boom! You were thrown a late fee and your account is past due. You ask yourself. How in the world...

People are always asking me: Does closing a credit card hurt your credit? Closing a credit card does not hurt your credit directly. But closing a...

If you have a low FICO score you may be paying more interest on your mortgage, car loan, and credit cards and possibly you’re also paying more on...