What is Credit Score and Credit Risk? Your credit score is a three digit number calculated from your credit report and it used to gauge liability when taking out a loan. It is used to determine if you will pay back your loans on time. The lower the credit score, the...

Though there are many paths to improve your credit they all lead to a single place: removing negative items from your credit report. While some consumers assume this is as simple as paying off negative items, doing so can actually have a negative effect in certain...

If your credit score has taken a dive over the last year or two, maybe it’s time to really get serious about taking the New Year and repairing your credit.  It’s not as difficult as you might think and the benefits of upping your credit score are completely worth...

What a Credit Score is A credit score is issued by the credit reporting agency or by the lender.  This number that is assigned to your credit is a scoring system that adds up the points of your good credit and subtracts the negative items that are found on your...

Are you on the verge of giving up because of companies denying you loans to buy a home, car because of your bad credit score? Are you disappointed and want to find an ethical way to improve your credit rating? Are you infuriated and frustrated that even after paying...

Chances are you’d like to have a great credit score so you can get a low interest rate if you need a loan.  If you learn what types of mistakes to avoid that would lower your credit score, you’ll have a greater chance at building a wonderfully high credit score....

As you work to build your credit to purchase a home, one of the many things you’ll need to keep a close eye on is whether or not your credit has been compromised. Regularly checking your reports is your first line of defense. As you’ll soon learn from these...

You know that your credit score affects your interest rate, but did you know that it can affect how much of a loan you’re approved for? Those with better credit can have a lower income and get a higher approved loan amount, compared to someone with a high income and...

There are many steps you can take to improve your credit, but none may be as important as monitoring your credit report for fraud. As hackers get more sophisticated, so too must credit card issuers. A recent technological development, EMV chips, have been touted as...