What Can I Do to Help My Credit Score?
[C]redit reports and credit scores follow similar but unequal concepts. You cannot have a credit score without a credit report, but you can have a credit report without a credit score. More lenders...
View Article3 Sample Letters for Credit Report Issues
[T]he best way to contact any credit bureau is in writing, according to the Federal Trade Commission. You should also send all correspondence through a traceable delivery method and keep copies of any...
View ArticleWhat Are Secured Credit Cards With Major Banks?
[I]f you have no credit or a poor credit history, you probably should find secured credit cards with major banks to help build your credit score. A secured credit card requires you to make a security...
View ArticleHow to Improve My Credit Score if I Live in Texas
[U]nfortunately, the average credit score in Texas is consistently the lowest in the United States. The average credit score is 651, which places most people in a credit-challenged or “sub-prime”...
View ArticleWhat Is Credit History Therapy?
[I]f you have high financial obligation, and are in trouble, you have probably heard the term “credit history therapy,” yet you may not know exactly what it is. Often this term is used in the same...
View ArticleWhat Are the Best Credit Cards for Low Credit Scores?
[I]f your credit score is below 650, your chances of getting a credit card are pretty slim. Dozens of companies used to serve the “sub prime” market. But federal credit card reform laws along with a...
View ArticleWhen Should I Consider Refinancing My Mortgage?
[W]henever interest rates begin to fall, many homeowners start to question whether they should refinance their mortgage. It is very tempting to begin calling around to see who can give you the best...
View ArticleHow to Use Your Inheritance Loan or Cash Advance to Improve Your Credit Score
[Y]es, you read right! Your inheritance loan or cash advance can be used to improve your credit score rather than lowering it. So you ask, how can taking on more credit improve my credit score? The...
View ArticleHow to Get a Good Credit Score Through Credit Repair
[I]f you have decided to tackle the issue of your damaged credit, you may be wondering how to get a good credit score through credit repair. This is a process that will take some time and not happen...
View ArticleCredit Card Debt Is Easy To Get Into, But Practically Impossible To Get Out Of
[I]f money’s tight, you must resort to your savings and refrain from being tempted to use a piece of magic plastic as an alternative source of income. Why? Well, relying on credit cards to get by is a...
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