Rebuilding Credit »

Posted on 8 Jul 2019 | 6,638 views
Fix Your Credit Report After a Divorce

When a couple is married, they often hold joint accounts, such as savings, credit cards and mortgages. This links their credit scores together. If you’ve just gone through a divorce, your credit may be in shambles. Sometimes, one partner will run up a huge credit card bill, deplete the equity in the home or otherwise try to wreak havoc with the credit score of the other party. It’s important to address this problem head on.

Fico Scores »

Posted on 8 Jul 2019 | 3,487 views
Why Your Credit Score Hates Halloween, Thanksgiving and Christmas

You and I might revel in the crisp autumn weather, but your credit score hates this time of year. The reason? Starting in October and continuing through the next 90 days, many households dramatically increase their spending.

Credit Repair »

Posted on 6 Jul 2019 | 3,458 views
How to Raise Your Credit Score 40 Points in 24 Hours

Have you ever seen your credit score crash? Sometimes at the last minute? We’ve all been surprised by credit reports that weren’t as great as we wanted them to be. This is how to make sure your credit report is headed in the right direction, especially if your going to get a home loanĀ mortgage in the next 30 days.

Fico Scores »

Posted on 5 Jul 2019 | 6,172 views
What is a Credit Inquiry and the Difference Between a Hard Inquiry or Soft Inquiry?

Any company, organization, or individual with a “legitimate business need” can request to see your credit history, and these requests are known as credit inquiries. They are divided into two categories called hard and soft inquiries — hard inquiries will affect your credit history andĀ credit score while soft inquiries will not.

Fico Scores »

Posted on 4 Jul 2019 | 4,148 views
Is a FICO Score the Same as my Credit Score?

A FICO Score is a brand of credit score — FICO stands for Fair Isaac Corporation and Fair Isaac is the company that developed the software program used by the credit bureaus to compile and calculate credit scores for U.S. consumers.