credit
Easy Ways to Improve Your Credit—FAST
Your credit score is an important factor in securing a mortgage, but having a low credit score today doesn’t mean you will never be able to buy a home. Many people who have recovered from financial setbacks or bankruptcy have…
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Struggling Financially Due to COVID-19? Here’s How to Protect Your Credit Score
Millions of Americans have found themselves unemployed amid the coronavirus outbreak, and many more have seen their hours cut, wages reduced, and household finances significantly altered. If you’re in this boat, staying afloat may be all that’s on your mind.…
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Gen Z Wants the American Dream: These 5 Financial Tips May Help Make It a Reality
A new survey from Freddie Mac shows that Generation Z — Americans between the ages of 14 and 23 — are serious about becoming homeowners. They’re also more optimistic about it than their millennial cohorts were at their age. In…
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Buying a House with Bad Credit: Can It Be Done?
Your credit score plays a huge role in your ability to get to mortgage — not to mention how easy the process is and what interest rates you’ll qualify for. Are you worried your credit isn’t good enough? You’re not…
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5 Steps for Rebuilding Your Credit After Bankruptcy
Your credit rating is an important part of your overall financial picture. And when you’re in the market to buy or refinance a home? Simply put, good credit gets you a better interest rate because the lender know there’s less…
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How to Build Your Credit from the Ground Up
From a young age, many of us are taught not to take on any debt — that it’s best to pay in cash and only spend what you already have. A big issue with the cash-only mindset, though, is that…
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Credit Do’s & Don’ts While Getting a Mortgage
When shopping for a home, good credit is important to obtain the best interest rates and terms. Here are some tips on what not to do and what you should do. DO stay current on your existing accounts Just one…
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Get a Lower Interest Rate with a Better Credit Score
The better your credit the lower interest rate you’re likely to get. Why? In a word—risk. The higher your score the less risk you represent, the more willing a lender is to finance your mortgage. It is that simple. But…
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Calculating and Improving Your FICO Score
What is my FICO score and why is it important? For many people, the first time they will have to deal with their FICO score is when they are applying for a home loan. Most lenders who participate in the…
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Five Things that Can Hurt Your Credit During the Holiday Season
With the holiday season comes lots of spending. Gift giving, decorating, entertaining, vacationing and going out to eat – it can all rack up the big bucks, and pretty quickly, too. Sadly, overspending doesn’t just deplete your bank account or…
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