How Long Does It Take to Rebuild Credit?

If you’re trying to rebound from a major financial nosedive, it may seem like you’ll never get your credit score back on track. Maybe you’re overwhelmed by credit card debt, or you lost your job and got behind on all kinds of bills. No matter what has happened in your past, there is always something…

How to Rent an Apartment with Bad Credit

Having bad credit can come back to haunt you in inconvenient ways. Getting denied for a credit card and receiving loan offers with sky high interest rates are just a few of the unfortunate consequences of a low credit score. But even more alarming is that more and more landlords are performing credit checks before…

How Does Closing a Credit Card Affect Your Credit Score?

Increasing your credit score can seem like a complicated process. After all, it’s created by an intricate algorithm that weighs each and every item on your credit report in a variety of different ways. Because many blogs and financial extremists tout all credit cards as bad, you might be tempted to close all of your…

How Student Loans Affect Your Credit

For many Americans, it’s difficult to escape college without accumulating some degree of student loan debt. In fact, the average debt for a Class of 2015 graduate exceeded $35,000. Not only does your student loan payment affect how much money you have leftover from your paycheck each month, it also takes a toll on your…

What Is a Credit Privacy Number (CPN)?

Credit privacy numbers (CPNs) are touted by some credit repair companies as being a helpful way to disassociate yourself from your bad credit history and start fresh. Rather than using your Social Security number as your identifier for loan and credit card applications, you can supposedly use a nine-digit CPN to get approved. The only…