Best Credit Score for Buying or Leasing Your Dream Car

Almost everyone needs a car in our daily lives whether to take you to work or to drive your kids to school. In most cities, it is essential to getting from point A to point B. If you don’t have one yet, you might be wondering whether it’s better to lease or buy one...

Credit Cards & Interests Rates: How One Affects The Other

Having good credit and a good credit score is important to your financial well-being and your life. Having credit allows you to purchase things you need, such as homes and automobiles and can even help you get an apartment or a cell phone contract. Your credit history...

What Do Landlords Look For in a Credit Score?

Whether you’re applying for a loan or an apartment, at some point, the state of your credit will likely matter. Before entering into a monetary arrangement with a customer, a lot of businesses and business owners will check your credit. As important as your credit is,...

Credit Limits: Can Yours Be Reduced?

Having your credit limit reduced is common and can even happen if you’ve been good with credit and made all your payments on time. When a creditor lowers your credit limit, it can negatively impact your credit score. However, you need to know that there are things you...

3 Most Common Questions That Credit Repair Companies Get Asked

Your credit score determines a lot of things in life. A poor credit score can keep you from securing an auto loan, being eligible for an apartment lease. It can also determine the interest rate on any credit card that you apply for. That is why having a good credit...

Making Sense of Millennial Credit Card Delinquency

The New York Federal Reserve report recently shared a chart that does not bode well for young millennials. It showed a trend of 18-29 year-olds who are more than 90 days delinquent on credit card payments. This can be concerning for a few reasons; one, because the...

The Case for Hiring a Credit Repair Company

The good news: We live in an age where you can pretty much do anything with the assistance of software. The bad news: Software has only come so far in replacing the services of professionals. You can purchase software for everything from filing your taxes to improving...

The Effects of Bankruptcy: How Long Does it Stick to Your Credit?

Stated by the The Phenix Group, one of the main reasons that people are reluctant to file for bankruptcy even when they are drowning in debt is that bankruptcy negatively impacts one’s credit score. Depending on the type of bankruptcy on files, the filer can expect a...

How to Avoid Credit Card Spending and Manage Your Money!

So, you applied for a credit card and you were approved. You’ve been granted a maximum limit of $2,000 - Perfect! There’s a pair of shoes you’ve had your sights set on for months. After all, isn’t that why you need a credit card? You swipe your shiny new card and are...