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There are many aspects to repairing your credit report and one of these involves deleting negative information from your file as a means to pull some points on your total score. However, the bottom line of this process of trying to rid your file of negative...
I bet you agree that it’s a difficult task trying to play a particular sport without slightest idea of how it is played. Same thing applies to virtually everything in life – you need to have an understanding at the very minimum of how it...
Late payments are not reported until they are thirty days past due. However, just because your credit score won’t be affected by a bill less than thirty days late does not mean it cannot affect other financial aspects of your life. The credit card...
If life were perfect everyone would be honest and ethical toward each other…but it’s not! Credit bureaus, along with other businesses, omit certain information that the “average Joe” would not bother to look into. It might not...
Bad credit can stop you from getting a home! There are a few factors mortgage lenders look at before giving you a loan including: Income, Debt-to-income ratio, and your credit rating. The lenders particularly pay close attention to your FICO score; you...
Your FICO score is one of the main factors that a lender will use to approve you for a home loan. The others will be your Income and length of employment. Your FICO Score is very important to them because it paints a picture of how you have managed credit...
I’m not a brand loyalist really, and I just wear anything that looks good on me any given day. When it comes to credit problems however, I’ve adopted a sort of slogan that I got from a popular sports manufacturer with the swoosh logo –...
The results people get from any undertaken is determined to a great extent by how well they start. This is true of how people handle their credit files too. Just in case you haven’t come to the realization that your file is just the same as a scoresheet...
Have you come across some form of invite through email or regular mail asking you to sign up and pay some cash upfront in exchange for modifying your mortgage loan? We know anybody who is in trouble paying up on a mortgage will contemplate jumping at...
You already have a poor credit report and since this is a new year, this might be a good time to make a resolution to do things right concerning your file. You don’t want to get into anymore pitfalls this year. The way to go is first to manage...