What Credit Score Do You Need to Buy a House?

Renting a house or apartment comes with a number of perks, like minimal commitment to live in one place. After a certain point, however, most people want to put down roots — both emotionally and financially — and purchase their own home. Owning your own home can often be a wise investment, plus you don’t…

What Is the Average Credit Score in America? Find out Where You Stack Up.

Credit score talk is all over the place these days, from online forums to the office break room. That’s because your credit score affects just about every aspect of your life: your ability to get a mortgage, qualify for a car loan, or rent an apartment. In some cases, potential employers will even check your…

How and Why to Increase Your Credit Card Limit to Improve Your Credit Score

There are many strategic tactics you can take advantage of to increase your credit score. Some, like paying your bills on time each month, take a while to actually register as positive momentum in that magical number. Others, however, are relatively quick fixes that can easily give your credit score the boost you’re looking for.…

How Long After Bankruptcy Can I Buy a House?

Buying a home after bankruptcy may seem like an impossible feat, but it’s actually not out of the question. Even if you have a Chapter 7 or Chapter 13 bankruptcy on your credit report, you can still buy a home after a certain period of time. The exact length depends on several factors, including the…

How to Stop Identity Theft: Freeze Your Credit Report

The potential for becoming a victim of identity theft is greater than ever before; in fact, some figures estimate that as many as 15 million Americans personally experience some form of this crime each year. Cleaning up the mess that comes along with identity theft is likely to be a lengthy, troublesome process. From calling…

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…