If you’re married, you have probably gone through the process of merging his and her belongs all together. But credit history is not among them. Many new couples assume that a new, merged credit report is created after they get married. Not true. Even if you’re married, your spouse’s individual credit history cannot be merged with...Read More

Bad habits are easy to fall into. A one-time exception becomes part of your routine and before you know it, you’re stuck in a rut that’s next to impossible to break out of. Bad credit habits can wreak havoc on your credit score, lead you into debt, and cause a number of other financial problems that...Read More

Getting out of debt is hard enough when you have plenty of money coming in, let alone facing this challenge when you’re on a low income. But here’s the thing: it is possible to get out of debt on a low income. But wait: there’s more! It’s also possible to do it without selling major assets like...Read More

With the power of the internet and the vast amount of previously unreachable information that it is now at our fingertips, Do It Yourself projects have become the latest rage. And of course, in many cases, why not? Why pay someone to do something that you can do yourself for free or at least at...Read More

The spectrum of credit scores can range from 300 to 850, making a credit score of 560 just under the median of 575. You’ll face some unique challenges at this number. But even a small bump in the right direction could change the way you’re perceived by lenders and financial institutions. If you’re currently looking...Read More

Taking the first steps after filing for bankruptcy can be scary. You’re not sure what the future of your finances will look like and you’re fearful that your credit score is beyond repair. While bankruptcy will negatively impact your credit score for a period of time, there are steps you can take to fix your...Read More

Do you know your credit score? In general, you should be checking your credit score at least once per year. Doing so helps you keep tabs on your finances and make improvements in your overall financial standing. Also, if you want to save more money this year, having a solid understanding of your financial health...Read More

A hard inquiry on your report is “when an individual applies for any type of credit, such as a mortgage, credit card or auto loan,” according to Investopedia. Having too many hard inquiries on your credit report lowers your credit score because it paints you as a risky borrower. A regular pattern of hard inquiries could reveal...Read More

When two people come together in marriage, it’s a beautiful thing. From buying a home together to starting a family together, marriage unites two lives, carving out a new path for the two people as a couple. But, you may be wondering, what happens to your credit when you get married? How is credit score...Read More

If you have a credit score of 570, you’ve got some work to do on your credit. In general, scores below 619 are considered poor. With a credit score of 570, you’re likely to receive the worst interest rates on credit cards and car loans. This means you can pay thousands upon thousands more dollars...Read More