It happens to the best of us. In this day and age, we all run extremely busy lives. No one is an angel, and therefore, even the best of us may...
How Long Will A Late Payment Affect Your Credit Score?
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Tricks On How To Instantly Higher Your Credit Score To Get Approved For A Cheaper Rate On A Mortgage
With the current interest rate market, every mortgage applicant is looking for a way to get a cheaper interest rate. But did you know that one of...
What Credit Do I Need To Get Approved For The Chase Sapphire Card?
The Chase Sapphire card currently has an increased welcome offer of 80,000 points after you spend $4,000 within the first 3 months. If you’re...
Update Your Credit Card Balance Off-Cycle. Which Banks Offer Mid-Cycle Reporting?
Credit cards usually report your balances to the credit bureaus once a month. With most banks, the date they report is the day that your statement...
Understanding The Fico Scorecards
People ask, how much will a late payment affect my credit score? 100 points? 150 points? What effect will high utilization have on my credit score?...
Great News! Most Medical Collections Will Be Removed From Credit Reports
The top three credit bureaus; Experian, Transunion, and Equifax, have reached an agreement to change some key policies regarding which medical...
Does Carrying A Balance Help Build Credit? (Myth)
Many people believe that carrying a balance will help them build credit or up their chances of getting approved for a credit card. People think that...
Which Credit Score Model Is Used For Mortgage Loans?
As discussed in past posts, there are many different scoring models, resulting in different credit scores. When applying for a mortgage, people...
6 Mistakes Beginners Make When Building Credit
Every year there are millions of consumers who start building credit for the first time. I often see many consumers making the same mistakes. If I...
