Credit Score & Credit Card Approval: What You Need to Know

Chase Sapphire Reserve® Review: Perks & Value for Frequent Travelers

Dispute Errors & Remove Negative Items From Your Credit Report

If you have negative items on your credit report, it’s a good idea to get them removed so that you don’t have to wait seven years to have good credit. It’s in your best interest to start cleaning up

Debt Payoff Strategy: Improve Your Credit Score Faster

It’s no secret that excessive debt often contributes to lower credit score. If you are working on improving your credit score you might have several debts that are in repayment, whether they b

Wells Fargo Credit Card Requirements: Minimum Credit Scores Explained

Are you thinking about applying for a Wells Fargo credit card? The minimum recommended credit score for the Wells Fargo Visa Signature and Wells Fargo Rewards cards is 750. For the Wells Fargo Cash

Wells Fargo Propel Card: Credit Score Requirements & Approval Tips

Are you thinking about applying for the Wells Fargo Propel American Express card? The minimum recommended credit score for this Wells Fargo credit card is 700. How to Increase Your Chances of Getti

How Credit Score Checks Affect Your Score: What You Need to Know

Everyone knows how important your credit score is — from getting approved for a credit card to getting lower interest rates on loans. It’s essential to keep your credit score up so you can get the b

Homeownership & Credit Score: How Buying a House Impacts Your Credit

Whether you’re a first-time homebuyer or have been around the house-buying block a few times, there’s no denying that purchasing a home is a huge financial decision. You’ll most l

Understanding and Vacating a Judgment: Protecting Your Credit & Future

Having a judgment as part of your public record can be hugely damaging in several ways, especially if it’s related to a lawsuit for collections on an unpaid debt. First, it shows up on your c

Credit Report Dispute: Why Online Isn't Always Best - Expert Advice

Thanks to modern technology, you can do just about anything online, including dealing with errors on your credit report. So while it sounds easy to initiate a dispute through the credit bureaus’ web

Fair Credit Billing Act (FCBA): Your Rights & Protection Against Billing Errors

Have you ever received a bill from a credit card company that contained errors? Did the merchant charge your card twice? Does your billing statement contain unauthorized charges for goods or service

Free Credit Reports: Your Guide to Accessing & Understanding Them

What is a credit report? Most people already know what a credit report is, but let’s go over the basics real quick, just in case. Credit reports are sometimes referred to as “credit files” or “credi

Rent an Apartment with Poor Credit: Tips & Strategies

Having bad credit can come back to haunt you in inconvenient ways. Being denied for a credit card and receiving loan offers with sky-high interest rates are just a few of the unfortunate consequence

Removing Bankruptcy from Your Credit Report: A Step-by-Step Guide

Did you know that more than 500,000 Americans declare bankruptcy each year? While unfortunate, it’s helpful to know that you are not alone when dealing with bankruptcy. Even after your bankruptcy is

Removing Collections from Your Credit Report: A Comprehensive Guide

When you’re attempting to fix your credit, having one or more collections can put a huge damper on getting your credit score on an upward trajectory. While getting a collection removed from your cre

Understanding Credit Scores: What They Are & Why They Matter

Despite the impact that credit scores can have, many people misunderstand what they are and how they are calculated. Your credit affects every aspect of your life in ways that you may not expect. F

Debt-to-Income Ratio (DTI): Calculation & Importance

Your debt-to-income ratio is crucial, especially when you apply for a mortgage, home equity loan, or another large personal loan. By understanding what it is and what your target number should be,

Apple Financing Credit Score Requirements: What You Need to Know

Are you thinking about applying for the Apple Financing? The minimum recommended credit score for the Apple Card is 640. However, there have been reports of approvals with a score as low as 600. Wh

ATV Loan Credit Score Requirements: What You Need to Know

Are you thinking about applying for an ATV loan? The recommended minimum credit score for an ATV loan is 640. However, it’s possible to qualify for a bad credit loan with a credit score much l

Honda ATV Financing: What Credit Score Do You Need?

Are you thinking about applying for the Honda ATV financing? The minimum recommended credit score for financing through Honda Financial Services is 590. However, there have been reports of approvals