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How To Remove Late Payments From Your Credit Report

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Credit Repair Facts and Statistics

Credit Repair Facts and Statistics

Credit has become integral to how the world works. We use it in our daily lives in many forms, including mortgages, car loans, and credit cards. The amount you can access depends on your credit report and your credit score. That’s w...

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How To Get Preapproved For A Home Loan

How To Get Preapproved For A Home Loan

Preapproval is usually the first step in getting a home loan or mortgage. You don’t have to go through this process, but it’s often a good idea. That’s because preapprovals involve only soft credit checks and can help you avoid hard...

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When to Refinance Your Mortgage

When to Refinance Your Mortgage

When you refinance a mortgage, you’re taking out a new loan with more favorable terms to pay off a mortgage you already have. For most borrowers, the best time to do this is when you can get an interest rate that’s lower than the on...

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Does Checking Your Credit Score Lower It?

Does Checking Your Credit Score Lower It?

The answer is yes and no. Lenders and credit card issuers carry out two types of checks on your credit. The first, a soft credit check, doesn’t impact your credit score at all. The second, a hard check, knocks a few points off your ...

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What Are Current Mortgage Refinance Rates?

What Are Current Mortgage Refinance Rates?

If you’re looking to purchase a new home, or are perhaps thinking about refinancing your current situation, it pays to know what the current mortgage rates are. A number of factors will influence the type of loan you can get from le...

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How Credit Scores Affect Mortgage Rates

How Credit Scores Affect Mortgage Rates

Your credit score is one of the most important factors in how much you‘ll pay for a mortgage, or even on whether you qualify for a mortgage at all. The reason your credit score, or your FICO score as it’s known in the financia...

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How To Fix A Bad Credit Score

How To Fix A Bad Credit Score

After your birthday, Social Security number, and cell phone number, your credit score is the most important number in your life. Your credit score, known in the financial services industry as a Fico Score, is a snapshot of your fina...

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What is a good credit score range?

What is a good credit score range?

You probably hear all the time about how important a good credit score is. You’ve likely also heard that a good credit score is essential to getting a mortgage, or a good deal on a personal loan for a car. But what exactly is your c...

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