People often associate credit cards with debt. But having credit cards does not mean you have to take on debt. The truth is you need current, active credit accounts in order to rebuild credit history. Having nothing but negative credit reporting to the bureaus will not help credit scores. To rebuild credit you need positive…
Getting denied credit can sometimes come as a shock, find out 5 top reasons you may have been denied credit.
A goodwill letter to your original creditor can result in removal of past due payment marks.
Rental payment history on credit reports can be a helpful tool for renters that need to rebuild credit. Many renters that have imperfect credit may have a history of paying rent on time. If rental payment history was reported on credit reports, it might help to rebuild credit scores. Credit scores can impact the major…
Build credit while saving money, starting as low as $25 a month with a bank loan reporting to the credit bureaus. With a credit builder loan, no up-front deposit and no credit score is required. When you open a credit builder loan, you pay monthly while building a positive payment history. Once your loan is paid off, you get the money back, minus interest.
How to Improve Credit Scores: Awesome Guide that tells you what major factors are keeping your scores low and what you can do to improve credit scores.
Part of rebuilding credit includes adding positive credit accounts to your credit history. Credit scoring needs something other than negative credit when calculating a credit score.
Bad credit does not have to be a life sentence. Re-establish credit because your credit history is an integral part of everyday life, it’s just about impossible to avoid. Replace any credit-damaging habits with new, better ones to re-establish credit.
Depending on the credit bureaus to automatically remove outdated information from credit reports is a mistake. The credit bureaus deal with billions of pieces of information daily and sometimes items get left on credit reports that should have been removed years ago. Removing outdated information from credit files is the simplest way to improve your…
One way of raising credit scores is by using less of your available credit. FICO credit scoring system rewards consumers who do not utilize their entire available credit limit.
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