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How to Increase Your Credit Score with a Secured Credit Card
A good credit history means good rates on loans and other credit facilities. Once damaged though, rebuilding your credit can be difficult. However, you can get started by using a secured credit card that is easier to acquire than most other lines of credit. In this post, we shall look at how to increase your […]
How Does Debt Settlement Work? Pros & Cons
Debt settlement, which is also referred to as debt negotiation or debt arbitration, is a process whereby a creditor agrees to reduce the total amount of debt owed and in return, the borrower pays the rest in a lump sum. This typically involves the creditor waiving interest and fees on the debt. Debt settlement can […]
Increasing Your Credit Score & Improving Your Credit
Understanding Your Credit Score If you’re trying to perfect your credit score, it’s important to first understand what makes up your credit report and credit score. Your credit score is determined by an advanced algorithm which was developed by FICO and pulls the data from your credit report to determine your score. When calculating your credit […]
What a Bad Credit Score Is
What Is A Bad Credit Score? What is considered a bad credit score can vary depending on the credit scoring model being used but, ultimately, it comes down to what each lender considers a “bad” credit score. Your credit score is used by lenders to assess the risk that you may pose to them, should they provide […]
Breaking down your Credit Score – A Quick & Easy Guide
Square one – What is a Credit Score? The majority of people understand the basics, like how failing to make a payment will cause your score to go down, but there are a number of complexities that trip up the average consumer. If you pay your debts on time, don’t carry too much debt on […]
Is Medical Debt Getting Removed from Credit Reports & How Will It Impact Credit Scores?
While not all healthcare providers will report unpaid debt to credit bureaus, medical debt that ends up on your credit report could damage your credit score in the long run. That said, there’s a little sigh of relief for consumers where medical debt reporting is concerned. In a process that started in July 2022, the […]
How to Take Charge of Expenses in Your Business
Running a business can be daunting, especially if you are a new entrepreneur. One of the most significant challenges business owners face is to keep track of expenses keeping in mind that it is an essential to ensure that your business remains profitable and financially stable in the long run. So, how do you keep […]
Life After Bankruptcy: 6 Steps to Bouncing Back
Taking steps to rebuild your life following a bankruptcy – including your finances, credit rating, and emotional well being – can often feel like a daunting task. The first step is realizing that there is life after bankruptcy, and it doesn’t have to be a life where you are eternally treated as a financial outcast. […]
Do IRS Installment Agreements Affect Your Credit Score?
Paying your federal taxes when they become due isn’t always an option. When you have other debts to worry about and money is tight, you have to consider all of your options. An IRS installment agreement is a solution to this problem, but some people may be hesitant because they aren’t exactly sure how it […]
How Much Homeowner’s Insurance Should You Get When Buying a House
A house purchase accounts for a sizable net worth of a person. Just like any investment, insuring your house makes economic sense. Ideally the cover should help you rebuild and replace your belongings if disaster strikes. A good policy should also shoulder the financial burden arising from injuries that a third party might suffer within […]