1. Can I earn a credit score without a credit history? Yes, you can build credit with no history, you can get a secured credit card, be added as a credit user by another family member, or having a loan cosigned. 2. What types of accounts are reported? All types are reported, because the mixture […]
If you’re stuck with bad credit, there are some ways to improve it but also some ways you can decrease your score, so we show you here some do’s and don’ts of credit repair, these simple ideas can help you get started. Do’s Review your report and dispute errors: Errors on your credit report can […]
It makes sense that something important like your credit, can be seen or accessed quickly and easily and what a better way than to do that on an app? You have your phone with you every day and probably all day. Here are some easy-to-use apps that we recommend. Mint Mint is one of the […]
Equifax, Experian, and TransUnion are the main credit bureaus that collect information to generate your credit reports, but they vary in how they calculate your credit scores. They measure the likelihood we will pay our credit obligations and especially on time. We will dig into these 3 bureaus and what they do. Equifax Based in […]
A car dealership will take your application and will send it to several lenders that they work with so they (the lenders) can compete with each other to get the customer the best loan. A lender will appear on the report as a separate inquiry when it accesses the borrower’s credit report, but credit scoring […]
When somebody uses your personal information to file a tax return you have been a victim of tax identity theft. According to the FTC, there were more than 90,000 reports of identity theft in the first three quarters of 2020, even with those numbers tax identity theft is less common than other types of fraud. […]
Senator Elizabeth Warren made a budget strategy popular, the 50/20/30 budget rule to reach your financial goals. It’s basically separated by 50% on needs, 20% on paying debts or saving, and 30% for just living how you like, meaning gym memberships or dinners in a restaurant, etc. Needs The 50% on needs are for bills […]
A hard inquiry when you apply for a new credit card or a new loan. A creditor will view information on your credit report to determine whether to extend or give the credit or not. A hard inquiry stays on your reports for two years, after that they are removed, but if you can’t wait […]
It seems ironic that you need credit to get credit, but here’s a big difference, people don’t need debt to get credit, in other words, it’s time to pay some debt in order to boost your credit. Here are five simple steps you can take to clean up your credit score, it will be hard […]
We’re excited to tell you that Antoine Sallis the Credit Genius wrote a book and it’s out today! It’s called The Fiercely Resilient Credit Crackhead. The Credit Crackhead is about a normal man named Stan who discovers how to build and leverage his credit to achieve the goals he wants in life. Although it is […]