Majority of us have already experienced having debts. But then, it does not really mean we are in a sorry situation if we do incur them. To be able to determine whether we are or not, we need to classify first whether the debts that we incur are good or bad. When most, if not all, of our debts are bad, then it is time to acknowledge that we have a debt problem. Read more »
Are There Mortgage Bad Credit No Down Payment Products?
This economy has changed a lot of things about the landscape of American lending and credit. One of the items that has been dropped like a hot potato are mortgage bad credit no down payment loans, where individuals with bad credit can get 100% financing. The main reason for this is that these products are [...] Read more »
Debt Reduction – Taking a Closer Look at Your Debt to Income Ratio
One of the main reasons why many Americans look to bankruptcy and other measures of debt reduction to clear their name from this debt is because statistically as a country we have a very high debt to income ratio; sometimes way over 50% per household. This ratio can prevent people from obtaining financing, establishing credit, and can also get you in a major bind with many of your own creditors. You can calculate this by taking the percentage of the debt you have versus how much income you bring home. Read more »
Learn How A Divorce Can Shape Your Credit Score
The information on how many marriages end in divorce are astonishing. And as emotionally painful as a divorce can be all too often it also has an terribly damaging effect on your finances as well. Read more »
Credit Repair Help: Use This Checklist To Dispute A Negative Entry
Here is some credit repair help - a checklist to help you dispute negative entries on your credit report. Print and save a copy to track your progress. Read more »
Credit History Repair: What If It’s Beyond Repair?
Is there a point of no return in doing credit history repair? Read more »
Getting A Loan With Bad Credit
There are many people that are looking for bad credit loans these days. Many people are looking out of sheer desperation. The recession has severely damaged our economy and crippled the credit scores of many people throughout the world. Read more »
How To Fix Your Credit Score
One of ten Americans face the problem of having terrible credit scores or credit reports. If your one of them and are searching for a program to repair your credit, and are a few good solutions for you to look into. Read more »
Credit Repair Advice: DIY Vs Agencies
A piece of credit repair advice: before your hire a credit repair agency consider the pros and cons. Read more »
What is a FICO Score
Your FICO score is a vital component of managing your finances. This is the number used by the credit bureaus to determine how good your credit is. The FICO scoring system can appear to be pretty complicated if you do not know how it works. On the other hand, if you know how your FICO score is calculated, you can easily find ways to keep a good score or repair a bad one. Understanding your FICO credit score is key to maintaining good credit and keeping yourself afloat. Read more »