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The Fastest Ways to Build Credit [Infographic]
There are plenty of articles out there about the fastest ways to raise a credit score, but the focus of this article and infographic is a bit different. Rather than giving you shortcuts on how to boost...
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Are Inquiries Really Killing Your Credit? What You Need to Know
People often point the finger at credit inquiries as the cause of their bad credit, but is this blame justified? Can inquiries really kill your credit score? Keep reading to find out the difference...
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At What Age Can You Start Building Credit?
There’s never a bad time to start building good credit, but there is definitely a good time to start: as early as possible. The earlier someone starts building credit, the easier it will be to seek...
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VantageScore vs. FICO Score: What’s the Difference?
If you monitor your credit using a free website, chances are, you’ve seen your VantageScore. However, you may not realize that this credit score is not your FICO score. So what is a VantageScore credit...
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The #1 Secret on How to Unlock the Power of Tradelines
Tradelines are simple. There are only two main variables that you need to consider: age and credit limit. Of course, price and posting dates are also important, but let’s set that aside for the...
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What Is Bad Credit and How Can It Affect You?
Bad credit is something we all fear, but what is actually considered poor credit and how could it affect you? In addition to explaining what bad credit is and why you need to avoid it, we’ll also...
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Credit-Builder Loans: Can They Help You?
What Is a Credit-Builder Loan? If you have bad credit or no credit at all, you’ll likely have a hard time getting a loan. After all, the paradox of credit is that it’s hard to get credit without...
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What Is a Derogatory Item on Your Credit Report?
Derogatory items on your credit report can be a big problem for your finances. These negative marks can stay on your credit report and damage your credit scores for several years. Fortunately, there...
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Credit Repair vs. Tradelines [Infographic]
Perhaps the title “Credit Repair vs Tradelines” is not entirely accurate, but this is a common way that many consumers think of the two industries and even many credit repair companies as well. In...
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Don’t I Have the Right to a Credit Report?
When consumers ask me questions about their credit reports it’s normally about how to get an item removed or corrected. Sometimes, however, I do get questions about having information added to a credit...
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What Is a Credit Freeze on My Credit Report?
If you’ve been paying attention to the world of credit, you’ve probably heard a lot about credit freezes lately. A credit freeze can be a valuable tool for those who may be concerned about identity...
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The Surprising History of the Credit Bureaus
Most of us have credit reports assembled about us by the credit bureaus, yet few of us know about the surprising history of credit reporting. The credit bureaus as we know them today grew from small,...
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Do Federal Laws Really Help Me Establish Credit?
In the world of consumer credit, there are a number of Federal laws or “statutes” which help consumers in regards to their personal credit. Two such notable statutes are the Fair Credit Reporting Act,...
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Let’s Get to the Bottom of These Credit Myths
Myths and misinformation about credit scores, credit reports, and credit repair are extremely common. Unfortunately, many people believe these myths, and their credit suffers as a result of taking...
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At What Age Can You Start Building Credit?
There’s never a bad time to start building good credit, but there is definitely a good time to start: as early as possible. The earlier someone starts building credit, the easier it will be to seek...
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What Happens to Your Credit When You Get Married or Divorced?
Many people are uncertain about what may happen to their credit when they get married and what can happen to their credit if they get divorced. For example, it is commonly believed that your credit...
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Tradelines: What You Should Know About Building Credit
We all know that credit history is important because it’s how lenders, landlords, and sometimes even employers assess our creditworthiness. Anytime you apply for a loan or credit card, the lender will...
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Easy Credit Hacks That Will Actually Get You Results
Credit repair can be a long and arduous process, especially if you have very bad credit. Getting results from credit repair can take months, and it takes years to build or rebuild a solid credit...
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What Is the Difference Between Individual and Overall Credit Utilization Ratios?
What is the difference between your overall credit utilization ratio and individual utilization ratios and why does it matter to your credit? Keep reading to find out. Credit utilization makes up 30%...
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How to Get an 850 Credit Score [Infographic]
People who are serious about improving their credit often wonder what it takes to get the highest possible credit score. For the FICO 8 credit scoring model, the perfect credit score is 850. As of...
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