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Soft Inquiry Vs. Hard Inquiry

Soft Inquiry Vs. Hard Inquiry

Sometimes it’s the little things in life that can make all the difference. A small ding to your credit score can drop it just enough from being in the excellent credit score range to the good score range. That can be enough to cause...

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This Future of Credit Cards

This Future of Credit Cards

It used to be embarrassing to buy a pack of gum or other small purchase with a credit card. Not anymore. It’s common to see people pull a credit card out to buy something for $5 or less when they don’t have cash on hand. Small purch...

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Fair Credit Reporting Act

Fair Credit Reporting Act

Knowing your consumer rights under the Fair Credit Reporting Act or FCRA is vital when dealing with credit issues. Using a credit card is easy — you use the card to buy things and then pay the credit card bill. A credit card can som...

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Rapid Rescoring Can Boost Your Credit Score!

Rapid Rescoring Can Boost Your Credit Score!

Rapid rescoring can help boost your credit score by up to 100 points in just a few days. Mortgage lenders check borrowers’ credit reports for a good and simple reason — to ensure they can afford a home loan. But sometimes credit pro...

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Does It Matter What Debt to Pay Off First?

Does It Matter What Debt to Pay Off First?

Having too many debts can be overwhelming. So, what debt to pay off first? Does it matter? Should you pay the creditor that screams the loudest first? Not necessarily. What Debt To Pay Off First While Dave Ramsey’s debt snowba...

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How Debt Affects Your Credit Score

How Debt Affects Your Credit Score

The average indebted household that doesn’t pay credit cards in full each month carries $8,683 in credit card debt. Eventually, that debt affects the card members’ credit scores. A credit score impacts the ability to borrow money, l...

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