Credit scores are three numbers that can have a big impact on any financial decision you make. But what is considered a good score?
Do you have a good understanding of your finances? One way you can learn more about your own financial history is to get familiar with your credit report.
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One of the biggest factors in determining your credit score is your payment history. Even one late payment can negatively affect your credit score. So in this busy world how can you make it easier to remember to make your payments on-time?
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One of the easiest ways to learn about your financial history is to take a look at your credit report.
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There is no better feeling than finally paying off a credit card. With the balance now at zero you may be tempted to close the account entirely -- but should you?
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When you are reviewing your credit report what happens if you find something incorrect? You can file a dispute directly with the creditor or your can write something called a 609 dispute letter.
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The goal of all debt is to pay it off and be done with it. But did you know that paying off a loan or credit card can actually hurt your credit score?
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Whenever you do anything with your credit some sort of record is formed. One of these records is called a hard inquiry.
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While many people are looking for help fixing their credit there are also those out there looking to build credit from nothing. If you have no credit or very little credit history, how do you get started building it up?
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Of the many things that make up your credit report and credit score, late payments play a big part. If you are trying to rehabilitate your credit and get past some late payments, how long do you have to wait until they disappear from your report?
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Your credit score and credit report are snapshots of your overall financial activity and financial health. Every payment you make, every credit card you apply for and every loan you have taken out are reflected there. So with that in mind, how can you improve your score?
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Unless you are using all cash you will need to get approved for a car loan and make payments over a number of years. But getting approved for a loan is not always a cut and dry process, especially if your credit isn’t perfect.
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Every time you open a credit card or have your credit queried you receive a ‘credit inquiry.’ These record requests aren’t always benign and can add up to do damage to your credit score. So how many does it take to start to hurt your score?
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Your credit score may feel like an enigma but it is made up of a few major components that are pretty easy to understand. One of these things is your credit utilization.
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When you think about credit you probably think about credit cards. One of the most common questions people ask is how many credit cards should one person have? The answer is a little complicated.
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Taking charge of your credit starts with first understanding it. So how do you get started staying on top of your credit?
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Bad credit can sneak up on you. You may think a late payment here-and-there is no big deal but little things can build up fast and can be difficult to reverse. Here are five common things that can kill your credit score...
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Credit scores are fickle things. You would think the less debt you have the better but that can often be the opposite of true. So how can you have more loans but better credit?
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The first step to getting a hold on your finances is understanding all the key terms associated with borrowing, loans, credit and debt. Even the simplest terms deserve a little more attention when it comes to understanding your finances.
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If you have a credit card you probably have some sort of monthly credit score monitoring on your online account dashboard. The number probably doesn’t change too much but sometimes it does - a lot. How do you figure out why the number changed?
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