What Is a Personal Line of Credit?

Are money woes getting the best of you? Maybe the bills are piling up due to an unforeseen financial emergency that’s left you broke or your paychecks always seem to be a dollar short or a day late. If so, a personal line of credit could be just what you need to get over the…

Self Lender Review for 2018

When you have bad credit, or even no credit at all, it can be difficult to improve your score when you have no accounts that are reported to the credit bureaus. That’s where Self Lender comes in. Self Lender is a type of credit-builder loan that doesn’t require a cash deposit right at the start.…

How to Remove a Foreclosure from Your Credit Report

Despite reported upswings in the housing market, foreclosures continue to be a huge problem for residents of the US. In April 2018, 1 in every 2,058 homes in the US received a foreclosure filing. The RealtyTrac database lists over 588,000 homes that are currently in foreclosure. That’s well over half a million families struggling with…

How to Remove a Judgment from Your Credit Report

Judgments can have a huge, lasting impact on your credit score, giving you major difficulty in obtaining credit cards or loans. Perhaps you received a judgment from a lawsuit concerning old debt or even a former eviction. Whatever the reason, these public records cause long-lasting damage, even years after the incident occurred. Luckily, it is…

How to Rebuild Your Credit

Getting started on rebuilding your credit may seem like a long task with little light at the end of the tunnel. But really, a few strategic steps can make a noticeable difference in your credit score. Whether you want just a few ideas for rebuilding your credit or the full enchilada, we’ll walk you through…

The Ultimate Guide to Credit Repair

Finding out you have bad credit usually comes at the worst possible time. You might not even know your credit is bad until you get denied for a credit card, cell phone, or car loan. When you wonder why and check your credit report, you may be surprised to find one or several negative items…

How to Pay Down Debts to Improve Your Credit Score

It’s no secret that excessive debt often contributes to lower credit scores. If you are working to improve your credit scores you might have several debts that are in repayment, whether they be credit cards or personal loans. But how can you know which debts to pay off first, or if you should pay at…

What Is Revolving Credit?

There are many different ways to get financing in the world today. Revolving credit is a great way to do this and there are many ways in which you can access this type of credit. Ready to learn more about how revolving credit can help meet your financial needs while building your credit score at…

FHA Loan Requirements for 2018

Are you in the market for a new home but have very little to put down or less than perfect credit? An FHA loan may be worth considering as they have more lax qualification criteria than other mortgage products. However, figuring out if you meet the minimum requirements to qualify isn’t always cut and dry.…

How Credit Utilization Affects Your Credit Score

Your credit score is one of the most important numbers in your life. It affects whether or not you’re approved for a loan or credit card. It also determines how much interest you’ll pay when you need to borrow money for anything from a house to a car. Plus, landlords and even employers often access…