With this crazy real estate market, you may be wondering when is the best time for you to move on a new property or maybe you just want to refinance your current property. Well, there are definitely a lot of factors that come into play when considering these options. If you do not plan properly, [...]
All my life I never really understood credit or how it worked. I had one credit card, which I paid off every month and I had a bank account with a debit card attached to it. I rented an apartment and made payments on a modest car. I paid my bills on time, and never [...]
Your Right to Legal Credit Repair
The federal and state government has passed laws to regulate the reporting of credit information as well as laws to protect the consumer and the financial industry. As a consumer we have the right view our credit reports and challenge the validity of any inaccurately reported information. Inaccurately reported information [...]
If you are planning on asking for a loan in the future … if you want to get help from the bank to buy your dream home, dream car, start your business or more … but feel like your bad credit rating is holding you back … fret no more! Draw up a battle [...]
After your credit score, your debt to income ratio is one of the most important things a lender will look at when reviewing your mortgage application. The debt ratio is basically a comparison between the amounts of debt a person has compared with their income.
By paying of debts, you can adjust your [...]
No doubt you’ve heard many, many stories of those who have sought out credit repair agencies for help to improve their poor credit, but to have instead been taken in by credit repair scams. Before you understand what pathway to take to avoid being taken in by these crooks, you must learn how they [...]
Do you have a lot of debt?
Too many unpaid bills?
Have you lately faced a major financial set back, such as a bankruptcy?
Have you simply not had credit long enough to set up, good credit?
Have you defaulted on a loan, missed a tax payment, or recently been reported to a collection agency?
The problems that [...]
If you have a low credit score, you’re probably anxious to bring it up, and fast. The trouble is, it can be hard to get approved for a credit card when you have less than perfect credit. And filling out too many applications can make your score drop even more.
But there is good news. Secured [...]
Many people don’t realize that their credit reports are an issue until it’s too late. They are passing time in the car salesman’s office or chatting with a loan officer waiting for information about whether they will be able to get approved for a loan so they can drive off in a new car or [...]
Is your credit score keeping you from getting your mortgage refinanced? How about financing a car? Been turned down for a credit card application? You may be wondering “how do I fix my credit,” without a clear answer.
There are things you can do, and services you can hire. Don’t give up on repairing your credit, [...]