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As the proverb goes, “May you live in interesting times” (or so we hope). When you read about the positive and negative effects that credit scores have on the decisions you make in life, such as how to rent an…

Credit Repair: Before discussing the Best Credit Repair Companies let’s look at Credit Repair. These days in this increasingly digital age there are several good reasons why you might want to go to the trouble of maintaining or improving your…

Whether you are planning on purchasing a home in the next few years or need a little extra cash, credit repair can help improve your credit score. The good news is that this process is more straightforward than ever, thanks…

Bad credit is defined as having a history of missed payments, being late with payments, or loans that you have not repaid. Bad credit is the lowest score on the FICO score scale. A credit score is a measurement used…

To rebuild your credit, you need to understand and address the many issues that affect your credit, from the score to interest rate levels. By understanding your credit score and how it is calculated, you can work with your financial…

A lender uses an individual’s credit score to assess a borrower’s creditworthiness. It includes several data points and is used to measure a borrower’s overall creditworthiness and ability to repay debt. Traditionally, lenders look at a borrower’s credit report, including…

It is not a secret that the credit score system is taking a lot of heat recently. The credit scores in existence today are far from perfect and what’s even worse is that most consumers don’t even know where to…

In the past decade, the credit industry has undergone a significant transformation – and that includes how credit scores are calculated and reported. The old system was based on records of late payments and bankruptcy, which didn’t include credit cards…