How to Remove Credit Inquiries from Your Credit Report

How long do hard inquiries stay on your credit report? Inquiries can stay on your credit report for up to 2 years. Each time an inquiry is made, it is recorded by each of the three credit bureaus – Equifax, Experian, and TransUnion. And each time an inquiry is logged, it can potentially affect your…

Verizon Collections – How to Remove Them from Your Credit Report

The Verizon bill that you’ve been ignoring has now gone into collections and the calls are flooding in. What now? It depends on how long the account has been in collections and if they’ve reported it to the credit bureaus. If the account was recently sent to collections, the good news is you can resolve…

How to Build Credit from Scratch

A strong credit history opens up a wide range of opportunities. You can get prime interest rates on major purchases like a home or car and can also become a prime candidate for apartments and jobs. But if you’re just starting out with your own finances, you may be confused over the best way to…

How and Where to Get Your Credit Score

Just like you’d get an annual health check-up, a regular credit check can help make sure you’ve got your finances under control. At the very least, you should check your credit once a year. This helps you make sure all of your loan and credit card information is correct and can also help identify any…

8 Proven Steps to Improve Your Credit Score in 2018

Your credit score has a huge impact on your overall financial well-being. A good score will help you to buy a new car, purchase your first home, or just take a relaxing vacation overseas. However, without a good credit score, you will be saddled with high interest rates or unable to obtain any credit at…

8 Ways to Build Credit Without a Credit Card

So you don’t want a credit card? There are certainly a lot of reasons to want to avoid having one, but there are an equal amount of reasons to get one. Whatever your reason, you’re here because you want a strong credit score without the hassle of variable APR and monthly payments. Ready to learn…

The “Shopping Cart Trick” for Store Credit Cards

Having bad credit comes with more than a few downsides. But two of the biggest concerns are how to qualify for new credit accounts and how to fix your existing credit. There’s actually a simple strategy that, in many instances, can help you do both. It’s known as the “shopping cart trick,” or sometimes the…

MyFICO Review for 2018

MyFICO is the consumer division of FICO and is one of the leaders in detailing and scoring credit risks for home purchases, bank loans, credit cards, automobile loans, and retail. Even if you’ve never heard of FICO, they’ve likely heard of you and are one of the main companies that analyze consumer credit information into…

Credit.com Review for 2018

Credit.com offers free credit scores as well as paid services surrounding credit advice. The website offers helpful tools, most of which are free. Keep reading to find out if they’re actually what you need to track and fix your own credit. Is Credit.com really free? If you’re in search of a free educational credit score,…

How to Raise Your Credit Scores

Your credit scores affect many important aspects of your life. From the moment you open your first charge account, you enter into the world of credit. Why A Credit Score Is A “Snapshot” Each consumer’s behavior changes over time and when a lender or insurance company makes an inquiry into a person’s risk profile, they…