Does Shopping Around for a Mortgage Lower Your Credit Score?

The term “shopping around” doesn’t just apply to getting the best deals on winter clothes or home appliances. It's an excellent idea to shop around when finding the right mortgage loan to buy a home. Getting mortgage preapprovals from multiple lenders can help you...

4 Credit Myths About Late Payments

Payment history is the single most important factor that makes up your credit score. Paying all your bills on time builds a positive credit report, demonstrating that you are a low-risk borrower who can responsibly manage your credit. On the flip side, late payments...

Does Marriage Affect Your Credit Score?

When you get married, you agree to share your life with the one you love. However, does getting married mean that you’ll also share other parts of your life, like your credit score?  If your partner has a poor credit score, do you know if that impacts your credit?...

How Frequently Should You Check Your Credit Score?

A credit score is a number that predicts the likelihood that you repay a loan on time. A few different scoring models are used for credit scores, but the range for most models is between 300 and 850.The average credit score is 711. Lenders use your credit score to...

How Is Your Credit Card’s Minimum Payment Calculated?

When it comes to your bills, the minimum payment on your credit card statement is one of the most important numbers you need to pay attention to. If you carry a balance on your credit card, the card issuer can calculate a minimum payment that you must make that...

What You Need to Know About Employer Credit Checks

When you’re looking for a new job, you probably already know you need to polish your resume, practice your interview skills and put together a list of positive references. But there’s something else that might affect your ability to get hired: your credit. Many...

Why Secured, Business Credit is a Worthwhile Investment At Any Level

You may not know it, but business credit isn’t just for small business owners and those who work for larger corporations. In fact, if you are self-employed, doing business under your own name or have a side hustle going that earns you extra money, business credit can...

Thinking of Getting Rid of Your Credit Cards? Consider This First.

Here are five factors to consider if you are looking to downsize the number of credit card accounts you have.

How to Avoid Credit Card Late Fees

Here are 3 tips to help avoid fees for late credit card payments.

Buying a Home? How Paying Your Rent On Time Can Now Impact Your Credit Scores

Thanks to recent changes made by the federal government, mortgage finance giant Fannie Mae allows on-time rental payments to become a positive factor in credit scoring when it comes to buying a home.

Recent Articles

Does Shopping Around for a Mortgage Lower Your Credit Score?

Does Shopping Around for a Mortgage Lower Your Credit Score?

The term “shopping around” doesn’t just apply to getting the best deals on winter clothes or home appliances. It's an excellent idea to shop around when finding the right mortgage loan to buy a home. Getting mortgage preapprovals from multiple lenders can help you find the loan that’s right for you, preferably with the lowest interest rate possible. This can pay off big in the future, as a lower interest rate can save you thousands of dollars...

read more
4 Credit Myths About Late Payments

4 Credit Myths About Late Payments

Payment history is the single most important factor that makes up your credit score. Paying all your bills on time builds a positive credit report, demonstrating that you are a low-risk borrower who can responsibly manage your credit. On the flip side, late payments on your credit report can significantly lower your credit score and indicate that you have trouble managing your finances. Here are four myths you can’t afford to believe when it...

read more
Does Marriage Affect Your Credit Score?

Does Marriage Affect Your Credit Score?

When you get married, you agree to share your life with the one you love. However, does getting married mean that you’ll also share other parts of your life, like your credit score?  If your partner has a poor credit score, do you know if that impacts your credit? Here’s what you need to know about your credit after getting married. Do You Share a Credit Score with Your Spouse After Getting Married? Even after you’re married, your credit score...

read more
How Frequently Should You Check Your Credit Score?

How Frequently Should You Check Your Credit Score?

A credit score is a number that predicts the likelihood that you repay a loan on time. A few different scoring models are used for credit scores, but the range for most models is between 300 and 850.The average credit score is 711. Lenders use your credit score to decide whether to approve a loan and to determine the term and interest rate for your loan. It’s important to regularly check and know your credit score so that you’re aware of any...

read more
How Is Your Credit Card’s Minimum Payment Calculated?

How Is Your Credit Card’s Minimum Payment Calculated?

When it comes to your bills, the minimum payment on your credit card statement is one of the most important numbers you need to pay attention to. If you carry a balance on your credit card, the card issuer can calculate a minimum payment that you must make that billing cycle to keep your account in good standing. The minimum payment is the lowest amount you are allowed to pay to stay current. The amount of your balance can affect how it is...

read more
What You Need to Know About Employer Credit Checks

What You Need to Know About Employer Credit Checks

When you’re looking for a new job, you probably already know you need to polish your resume, practice your interview skills and put together a list of positive references. But there’s something else that might affect your ability to get hired: your credit. Many employers perform background checks on job candidates, including checking their credit reports. But they can’t see the same information that a lender or creditor can see when they pull...

read more
Why Secured, Business Credit is a Worthwhile Investment At Any Level

Why Secured, Business Credit is a Worthwhile Investment At Any Level

You may not know it, but business credit isn’t just for small business owners and those who work for larger corporations. In fact, if you are self-employed, doing business under your own name or have a side hustle going that earns you extra money, business credit can be an option you shouldn’t ignore. Business credit is important for several reasons. For starters, it’s a great way to keep your business finances separate from your personal...

read more

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