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Poor credit score - how poor credit affects your life

How Poor Credit Affects You

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There’s not many things that can affect your life more than bad credit, which is why it’s important to understand how poor credit affects your life, and that includes more than just financially. Let’s dig in and get a better understanding of how your poor credit can affect your life. What is Poor Credit? Most […]

Woman purchasing a new car

What Kind of Credit Score is Needed to Buy a Car?

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What kind of credit score is needed to buy a new car? Can you even buy a new car with bad credit? These are questions that I’ve dealt with a lot during my time selling new and used cars through many dealerships. It’s an extremely difficult question to answer due to the dynamics involved, but I hope […]

Can You Get Items Removed From Your Credit Report Immediately?

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Question: Is it possible to get negative items removed from your credit report immediately? Answer: Unfortunately, no. Removing negative items will take time to remove as it will require a few days to get your credit repair letters written (by hand, hopefully), mailed by certified mail, and then opened by the credit reporting agencies that have […]

What is APR - Annual Percentage Rate

What Is APR and How Does it Affect You?

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It seems that just about everything you purchase these days has mentions of APR, yet there’s not a lot of talk about what these 3 letters stand for, nor how they work. So I’m going to attempt to break it down to the best of my ability. Feel free to add any comments, tips or […]

how to pay off credit card debt

How to Pay Off Credit Card Debt

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Credit cards can make or break our credit, and with the way the economy is, it can cause piles of debt and a ton of stress. Was it worth it? Probably not. Want to learn how to pay off credit card debt and get rid of the headaches? Follow along as we do our best to show […]

What is a Balance Transfer

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The term credit card balance transfer comes up a lot these days, especially with new credit card offers, but how do they work and are they good for your credit? Should you take advantage of a credit card balance transfer? What is a Balance Transfer A balance transfer is simply the process of moving a […]

Credit Repair: The Roadblock to Financial Success of Every Consumer

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When looking for ways to repair your credit, don’t pay a company for a service that you can do on your own. Actually, you can repair and improve your credit worthiness on your own for free, at least this is what the Federal Trade Commission (FTC) has to say. The FTC warns people wanting to […]

credit cards that help build credit

Credit Cards That Help Build Credit

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Many people struggle with credit, but this is fairly normal in this day and age, especially when you consider the economic issues of today, as well as the lack of financial education available to children and teenagers. With these things considered, there are still ways to build or fix your credit with credit cards. There […]

sites to check credit

6 Sites to Get Your Credit Report For Free

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Checking your credit report or your credit score doesn’t have to cost you money. There are quite a few free resources that exist to help you check your credit, and most even allow you to monitor your credit for free! What’s the catch? There is no catch. These websites, except for AnnualCreditReport.com, which is free due […]

add tradelines to credit file

How to Add Tradelines

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What Are Tradelines Tradelines are important for establishing credit, as “tradelines” are simply accounts that appear on your credit profile. For example, if you have a credit card with, say, Discover Card, then you have an existing tradeline with that company (Discover). The more positive tradelines you have on your credit report, the better. But the fact is, […]