Blog

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...

Have No Credit Score? Here’s What You Should Do

Have you ever heard of the expression, “No credit is worse than bad credit?” Like most people, you’ve probably thought the complete opposite. After all, isn’t it better to have no credit at all than to walk around flaunting a lousy credit score? However, this...

How Your Student Loan Can Affect Your Credit Score

What kind of effect can a student loan have on your credit score? Does this question pique your curiosity? You’re not alone. Many people often wonder how taking out a student loan will influence their credit standing. Will it boost their score? Hurt it? As with any...

Everything You Need to Know About National Credit Systems

Headquartered in Atlanta, Georgia, National Credit Systems is a third-party collection agency that operates independently. Initially founded in 1991, the agency specializes in recovering money for apartment owners and managers that is owed to them by consumers who...

How Divorce Impacts Your Credit Score And How You Can Fix It

Whether it’s on friendly terms or not, divorce is stressful, and it can even take a considerable toll on your finances. This means you’ll likely hear phrases such as “100% liable for bills” and “child support payments” as well. In this post, we’ll go over how divorce...

How Long Does It Take To Repair My Credit Score?

Having good credit is essential if you want to obtain a loan for a house or a new vehicle, open a credit account at a retail store or even get a cell phone contract. Even some employers look at credit scores when determining whether or not to hire an applicant....

How Do Late Payments Affect Your Credit Score?

Unless you’re independently wealthy, chances are you will to have to purchase things on credit now and again. And, if you don’t have a good credit score, you’ll have a much tougher time getting loans for things like buying a house or a vehicle or getting a credit...

How Identity Theft Affects Your Credit & How To Fix It

According to the 2018 Identity Fraud Study conducted by Javelin Strategy & Research, there were 16.7 million cases of identity theft in 2017, which is a “record high” according to the report. The study also says fraudsters have been able to reel in more and more...

First Time Home Buyer? Where Do I Start?

Considering buying a home?  Wondering how to get started?  Or when to start the process?  You stomach gets all tight just thinking about purchasing what could be your biggest financial investment to date.  Understanding the process and having a plan may remove some of...

How To Get Assistance With Down Payments

Credit repair companies say, if you’re thinking of buying a home, the general rule of thumb is that you must have at least a 20 percent down payment before you even think about getting a loan. However, with home prices being what they are today, many people can’t...