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Waiting Periods Before Applying for a Mortgage Loan After Foreclosure, Short Sale or Bankruptcy80

Waiting Periods Before Applying for a Mortgage Loan After Foreclosure, Short Sale or Bankruptcy

Waiting Periods for Different Types of Credit Delinquencies. What to do when credit is damaged and credit scores are low.

home real estate credit
Discover Your Experian Credit Score62

Discover Your Experian Credit Score

Your Experian credit score will help you to qualify for a mortgage, loan to get a car, or even an unsecured credit card. That is why it is very important to improve or keep your beacon score in good standing. Your Experian credit score will tell you...

0 comments    credit score
How to stay on top of your credit score71

How to stay on top of your credit score

Some tips for how your credit will impact you and how to stay on top of it.

0 comments    credit debt credit score
How to Prepare to Apply for a Loan64

How to Prepare to Apply for a Loan

Applying for a loan can be a mysterious and sometimes frustrating process. There are many things you can think about ahead of time to make the process easier, and many things you should understand about why someone will or will not give you a loan. ...

0 comments    car income credit
Improving your credit rating62

Improving your credit rating

Building credit can be hard if you have none or your have bad credit history. Not all credit is bad especially when you want to get a mortgage. But you can't get one without any credit history. In order to build your credit, start small and with something you can manage.

2 comments    credit cards credit score debts
HOW I RAISE MY CREDIT SCORE FROM 470 TO 780 - FICO SCORE SECRETS75

HOW I RAISE MY CREDIT SCORE FROM 470 TO 780 - FICO SCORE SECRETS

Disclaimer: This article is for informational purpose only. I am writing my experience in raising my score. Results are not guaranteed. Your credit score is basically a snapshot of your current financial situation. Most financial institutions rely...

0 comments    credit card credit score equifax
How to Understand Six Sections of a Credit Report76

How to Understand Six Sections of a Credit Report

Understand Six Sections in a Credit Report. How information in each section of Credit Report is used to calculate Credit Score?

2 comments    credit score equifax experian
A Guide To Understanding Credit Reports and Scores67

A Guide To Understanding Credit Reports and Scores

Back in the 1980's, the three main credit agencies worked with the Fair Isaac Corporation to develop the FICO method of scoring credit. When you hear people talking about credit scores, they are usually referring to their FICO score.

1 comment    credit credit score credit report
Fair Debt Collection Practices Act (FDCPA)74

Fair Debt Collection Practices Act (FDCPA)

Collectors and Collection agencies are pretty well known to be the scum of the earth. There are some exceptions, but as a general rule most of us would rather shove ice-picks under our toenails than to deal with a debt collector. Fortunately, we have our rights.

1 comment    credit debt credit report
Federal Fair Credit Reporting Act (FCRA)70

Federal Fair Credit Reporting Act (FCRA)

The Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies. Unfortunately, the written laws are a lot of legal jargon as well as just being a lot to read. So, I'll summarize in order to ensure that you are best prepared for any unjust actions taken against you.

4 comments    credit debt credit report
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