July 5, 2022
In the United States, your credit score and report are major factors in determining your interest rate on auto loans and home loans. They also affect what type of loan product you can get. If the score’s too low, you may not be able to obtain a mortgage unless you apply for a “hard money loan” and are willing to pay high interest rates. If the score is less than 620, you may have to get an FHA loan with
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May 15, 2021
When was the last time you reviewed your credit report? Was it within the last year? Do you ever remember seeing a copy of it? Regardless of what has happened in the past, it shouldn’t dictate your approach to the future. As a general rule of thumb, request a copy of your credit report once a year. Tip: if you have any reason to review your report more often, don’t hesitate to do so. For example, this is a good
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March 10, 2021
Some people take great pride in maintaining a high credit score, while others believe this to be overrated. Don’t make the mistake of turning the other way and hoping that everything works out with your credit score. This is way too important to your financial health, both in the present time and in the future. There are many reasons why a high credit score is important, including but not limited to the following: 1. Loan Approval With fair or poor
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December 15, 2020
Even though you expect your credit report to be free of errors, this isn’t necessarily the case. Here’s the problem: the only way to know if there’s an error on your credit report is to regularly review it. And that’s why you should get into the habit of doing so at least once a year. Should you come to find an error on your credit report, regardless of what it may be, it’s critical that you take immediate action. This
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August 15, 2020
There is nothing better than reviewing your credit report and liking everything you see. This is sure to put your mind at ease from a financial perspective. But what happens if something doesn’t look quite right? Should you take action or wait to see what happens? As a general rule of thumb, if something looks out of place on your credit report there’s a good chance it is. And for that reason, you should contact the appropriate credit bureau (Equifax,
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August 9, 2020
When was the last time you checked your credit score? Can you remember, or was it so long ago that it has slipped your mind? While there’s no good reason to check your credit score every day of the week, you should get into the habit of doing so regularly. Generally, twice a year is more than enough to stay informed. Here are some of the many times you should check your credit score (even if you’re not scheduled to
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July 13, 2020
You’ve seen the commercials. You’ve read about it online. You may have even heard friends and family talk about it. Experian Boost™ is a relatively new financial product that’s helping millions of consumers in a variety of ways. Here’s the Experian Boost™ tagline: Only Experian can raise your FICO® Score instantly How does that sound to you? Could you benefit from a quick boost to your FICO® Score? Here’s How it Works If all this sounds interesting to you –
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May 2, 2020
What is my credit score? Is there any way to find out? How can I improve it if I don’t even know what it is? These questions, among many others, may be on your mind. Fortunately, with the right knowledge, you’ll come to find that checking your credit score is a simple task. Before we get into the finer details of checking your score, let’s touch on some other important points of consideration. Your credit score is a numeric representation
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March 25, 2020
What do you see when you look at your FICO score? A score that is just about as good as it can get? One that can stand some improving? FICO scores range from 300 to 850, with the majority of scores falling between 600 and 750. If this sounds familiar, you may be looking into the things you can do to boost your score. While nothing comes fast or easy in regards to your credit score, there are small changes
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October 5, 2019
Are you in the process of comparing credit cards? Are you obsessed with the idea of securing the best offer? Do you understand what credit card issuers look at when reviewing your application? Your FICO score plays a big role when applying for a credit card. For example, if you have an excellent score, you’ll qualify for almost every offer you come across. Conversely, if you have a poor credit score, your options are a bit limited, thus forcing you
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August 2, 2019
It takes a lot of work to achieve an excellent (or exceptional) FICO score. While it doesn’t come overnight, it’s well worth it in the long run. According to Experian, a FICO score of 800 or higher is considered excellent. Only 21 percent of people have an excellent credit score, but those who do are in position to take advantage of many benefits. Here are five ways to benefit from an excellent FICO score in the future: 1. Get a
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June 11, 2019
Regardless of your credit history and score, the internet has made it simple to find and compare offers. However, you’re in much better position if you have excellent credit. Not only does this give you the confidence to find the right offer, but it also ensures that almost every issuer is willing to approve your application. According to Experian, a score of 800 or higher lands you in the “excellent category.” This will aid your online credit card search in
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May 10, 2019
If you have poor (under 580) or fair (580 to 669) credit, you typically have to take what you can get when applying for a credit card. In fact, you may even have to rely on a secured credit card (requires a cash deposit as collateral) until your score is high enough to obtain an unsecured credit card. Conversely, if you have good or excellent credit, there are many more offers to consider. Knowing what to look for will go
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March 13, 2019
If you have never been the victim of credit card fraud, it’s easy to overlook just how common it is. For example, Experian shares the following statistics: “The number of credit card numbers exposed in 2017 totaled 14.2 million, up 88% over 2016. In addition, nearly 158 million Social Security numbers were exposed in 2017, an increase of more than eight times the number in 2016.” So, not only is credit card fraud common, but the problem appears to be
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March 6, 2019
Do you have bad credit? Are you concerned about the impact it’s having on your finances? Are you ready to implement a strategy for boosting your score? It’s frustrating to learn that you have bad credit, but important to take immediate action. The first step you should take is to conduct a thorough review of your credit report. When doing so, there are five details to focus on: Payment History This makes up 35 percent of your FICO score, so
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May 11, 2018
Top Reasons for a Credit Card Denial Are you in the process of searching for the perfect credit card? Do you have some concerns about the application process? Are you worried that you will receive a credit card denial? There is no way of knowing for sure if you will be approved for a credit card, but you can improve your odds by understanding the eligibility requirements before applying. For example, if you have average or poor credit, don’t apply
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March 30, 2018
There is a lot to consider when applying for a credit card. In addition to hundreds upon hundreds of offers, your credit score, history, and personal finances will have a big impact on what happens next. Here’s an often overlooked tip: you need to choose a credit card based largely on your credit score. When you know your credit score, there’s less guesswork when selecting an offer and completing an application. Instead, you’ll know exactly where you stand, which makes
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March 6, 2018
What do you see when you look at your credit score? Are you happy with the number staring you in the face? Do you realize it’s not the worst, but that there is room for improvement? Do you have poor, good or fair credit? Applying for a credit card with “very good” or “exceptional” credit is easy. With such a high credit score, you don’t typically have to concern yourself with being turned away. However, if you have fair credit,
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February 7, 2018
Do you have bad credit? Are you interested in applying for a credit card? Are you concerned that you won’t qualify for an offer that suits your financial needs? It’s simple to apply for a credit card when you have good credit. The only thing you have to worry about is choosing the right offer. Conversely, when you have bad credit, you’re faced with the challenge of finding an offer designed for consumers in your position. What is a Good/Bad
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June 13, 2017
The average middle-class American household carries between $6000 and $11000 in credit card debt, depending upon who you choose to believe. Each household also had an average of 5.4 credit cards. In 2006, 173 million Americans were credit cardholders and that number is expected to increase to 181 million by 2010. As you know, your FICO (Fair Isaac & Company) score is a used as a prime indicator of your credit worthiness and plays a crucial role in your ability
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