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Buying a Car Following a Bankruptcy Filing
Personal and business bankruptcy filings rose 10 percent in the twelve-month period ending June 30, 2023, compared with the previous year. Non-business bankruptcy filings rose 9.5 percent to 403,000, compared with 367,886 in the previous year. Most of those filings were due not to reckless spending but, rather, to financial hardships, rapid inflation, and unexpected […]
DIY Tips for Building Your Credit Score
If you’re looking to buy a home, a car, or even take up a personal loan but have a less-than-optimal credit score you’ll need to understand your credit rating, learn how it is calculated, and take steps to improve your credit score. Below is a breakdown of do-it-yourself tricks to improve your creditworthiness. 1. Understand […]
The Effects of Unpaid Taxes
It is not uncommon for people to have tax debt. While many want to quickly resolve the debt and move on with their lives, others choose to ignore it. Unfortunately, ignoring your tax debt does not make it go away, and it can actually negatively impact your life in a number of ways. Here are […]
Are Airline Credit Cards a Good Idea (Pros & Cons)
Airline credit cards are credit cards that are used by frequent flyers for their airline-specific perks. They are provided by card issuers, working jointly with a particular airline to reward their customers for both their loyalty and for paying for their travel and other expenses using the card. With airline credit cards, you earn a […]
How to Remove Hard Inquiries from your Credit Report
Credit inquiries refer to requests made by businesses to check on your credit. They are made to credit bureaus and the record becomes part of your credit report. According to FICO, these inquiries are classified as either hard inquiries or as soft inquiries. Each is different and it affects your creditworthiness differently. Before we look […]
Reasons You Should Worry About Your Credit Score
A credit score is a 3-digit number that is used to determine your creditworthiness. Currently, more and more people depend on credit to make purchases. Even some businesses which are not in the credit industry are making good credit scores part of the requirement for services and products. Simply put, credit scores are intertwined with […]
Why Didn’t My Credit Score Go Up After Removing/Paying Collections
While it is commonly assumed that paying off debt will always result in a positive impact on one’s credit score, this is not always the case. In fact, sometimes paying off a debt will lead to a drop in the score which can be a damper if you don’t understand why. Typically, your credit score […]
How to Deal with Collections and Negotiate Settlements for Credit Restoration
Having a good credit score is essential for financial stability and access to favorable loan terms. However, when debts go unpaid, they can end up in collections, damaging your credit profile. The good news is that you can take steps to deal with collections and negotiate settlements, paving the way for credit restoration. This article […]
Using Personal Credit for Business Loans: Pros/Cons
Whether you want to start a business or finance one that is already functioning, you may find your financing options reduced to taking a loan. In such a case, you have the option of taking either a personal or a business loan. Given the unpredictable nature of businesses, it may not be wise to mix […]
How Do I Fix My Credit After Identity Theft?
Ah, identity theft. The two words that make all adults shudder. You have worked so hard to establish great credit. You have paid down your debt, paid your bills on time, and now all of the sudden- it’s gone. Identity theft can be really scary and damaging, but it is not the end of the world […]