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Articles tagged with: Credit History

Fico Scores »

[25 Sep 2018 | 2 Comments | 4,142 views]
Your FICO Score Could Lose 50 Points by not Following This Credit Card Strategy

Borrowing money today requires impressing an increasingly hard-to-please crowd. With creditors of all kinds more cautious than ever, you need an A+ application to land the best terms — and that means an A+ credit score, the number lenders use to judge your risk of default.

Credit Repair Letters »

[24 Sep 2018 | No Comment | 2,479 views]
Sample Credit Repair Letter for Items in Credit Reports Belonging to a Former Spouse

One of the major casualties of divorce is the damage incurred to both party’s credit. Not only do you incur the expense of divorce proceedings and attorneys, but divorce can send you spiraling into bankruptcy. Until your former spouse’s information is completely irradiated from your credit file, his or her mistakes with money can also reflect on your credit score. This is why it is advisable to take the following steps sooner rather than later.

Fico Scores »

[22 Sep 2018 | One Comment | 2,561 views]
Opening a Credit Card at a Department Store Will Lower Your Credit Score

While on a shopping spree, you open credit-card accounts at several of your favorite department stores to snap up discounts of 10% or 15%. You’re saving a bundle, but you may be chipping away at your credit score.

Rebuilding Credit »

[17 Sep 2018 | One Comment | 13,357 views]
Credit Cards to Rebuild Bad Credit and Boost Your FICO Score

Part of rebuilding your credit is proving that you can pay your bills on time. If your bad credit episode left you without any credit cards, you’ll have to open new ones.

Fico Scores »

[11 Sep 2018 | 2 Comments | 5,750 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 and credit score while soft inquiries will not.