Tag: Credit Report

How to Build a Strong Financial House with Housing Counseling

For most Americans, buying a home is the largest purchase they will make in their lifetime. But it’s not enough to know what neighborhood, style of house, or square footage you want. Consumers also need to have their financial affairs in order prior to considering homeownership. A consumer’s financial history and credit rating are two […]

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7 Reasons To Get Rid Of Your Credit Cards

If credit card companies had it their way, consumers would charge any and every purchase they make every single day of their lives. Unfortunately, that would only be fun until it came time to pay the enormous bill. While it can be difficult to resist temptation from time to time, there are a few excellent […]

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Reasons Why You Might Not Join A Debt Management Program

We’ve been in business for over 50 years now (since June 17th, 1968) so we’ve heard about a million reasons why someone doesn’t want to sign up for a Debt Management Program even though they seem super interested and excited about it. The list includes a few common reasons such as: Monthly payments with Debt […]

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How To Deal With Negative Credit Report Information

Receiving a negative credit report can be devastating. A good credit score is essential for so many of the financial needs one has in life. A low score can affect the interest rates a person gets when taking out a loan, particularly for a house or car, it can raise insurance rates, and it can […]

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Credit Scores and How They Came to Be

Prior to the creation of credit scores, financial institutions and lenders would often develop their own creditworthiness score to assess the risk of lending to that particular person. This “score” would vary significantly from one lender to the next. The major issue with this innovative method was that it was based solely on the lender’s […]

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Do You Need Help Building Your Credit Rating?

An individual’s credit rating is an important factor that significantly contributes to their financial well being. Whether an individual is applying for a loan or a new job, their credit rating will be evaluated and could be used for making a final decision. Given the major impact that a credit score has on a person’s […]

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How many points does your credit score drop if you’re late on a payment?

Your credit score and credit report allow lenders, such as banks and credit unions, to determine how risky it would be to lend you money or credit. A credit history of timely payments tells lenders that you are likely to be a safe bet. On the other hand, a history of past due payments suggests […]

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How To Build A Strong Credit Score

Consumers who know the value of their credit score will work hard to maintain a great score from day one. Those who never learned the importance of their credit score might make financial mistakes that cause them to learn the hard way. Whether a person is building their credit score for the first time or […]

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Reasons Why Your Credit Score May Drop

Whether you need money to boost your business or meet your daily personal expenses, access to finance will play an important role in helping you get ahead. However, before you apply for financial assistance, you will need to establish whether you are eligible and if you qualify for the financing you need. Today, a good […]

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What you need to know before freezing your credit

Over 143 million Americans had their sensitive personal information exposed to hackers in the recent Equifax data breach. There’s a good chance that you or someone in your household may have been impacted by this historically huge data hack. The bad news: your information is probably already in the hands of hackers that can use […]

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Becoming Debt Free Starts Here

If you're struggling to make ends meet, our team of certified counselors are waiting to help you find a solution that's right for you. No matter what your financial situation may be, remember you're not alone