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Master Credit-Building in Less Than 7 Minutes
A credit score is a three-digit number that can greatly impact your life. The seemingly small number reflects a measure of your creditworthiness, which can have an outsized effect on your finances. A...
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How to Fix the Most Common Credit Report Errors
Did you know that about a quarter of all consumers may have errors on their credit reports? Unfortunately, it’s true. In 2017, the most common complaint received by the Consumer Financial Protection...
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FICO Resilience Index: Should You Be Worried? [Infographic]
FICO, the maker of the FICO credit scores that are commonly used in lending decisions, has created a new type of credit scoring tool to help lenders better evaluate credit risk in today’s shaky...
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Credit-Builder Loans: Can They Help You?
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 already having a credit history,...
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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? Is it really true that inquiries can kill your credit score? Keep reading to find out...
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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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What Are Credit Scores?
When it comes to credit scores, there’s a lot of confusion and misinformation out there. Credit scores impact our lives in more ways than you might think, yet, unfortunately, they are complicated and...
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Credit Card Credit Building—2023 Best Cards for Credit Building
If you need help building your credit, the right credit card can make all the difference. Unfortunately, it can be challenging to pick through the advertisements to find the right credit card for your...
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Derogatory Credit Marks—Grow From Bad to Great Credit
The right credit score can help you sail through smooth financial waters. But if you have a bad credit score, it’s often more difficult to access the financing opportunities you need. Plus, those with...
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Credit Reports: What You Need to Know
Nearly half of Americans believe a credit score and a credit report are the same thing, according to a study by the American Bankers Association. That’s a big problem because it means many of us are...
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What Is a Good Credit Score? 7 Must-know Essentials
You must have a credit score to buy a home, lease an apartment, or take out a private loan. Credit scores indicate how responsible you are with credit. Even if your credit isn’t the best, you need to...
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Is There Such a Thing as Too Much Credit?
Those in the know about credit will remember that credit utilization is one of the biggest factors that influence your credit score. To be specific, credit utilization makes up about 30% of your FICO...
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Are There Negative Items That Can Stay on Your Credit Forever?
In credit reporting, most negative information can only stay on your credit report for seven years—right? The Fair Credit Reporting Act (FCRA) does mandate that the credit bureaus remove negative...
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How to Remove Derogatory Entries From Your Credit Report
Derogatory entries on your credit report, such as 30-day late payments, 60-day late payments, collections, and more, can seriously damage your credit score. Is there a way to get derogatory items...
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Top Credit-building Tips for Generation Z
Generation Z represents the youngest generation of consumers. As a member of Gen Z, the financial choices you make now can have an outsized impact on your financial future. When it comes to credit,...
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This Is How a Rapid Rescore Can Boost Your Credit Score Fast
If you’ve just cleaned up your credit report, you may be wondering how to update your credit report information fast so that you can improve your credit rating quickly. Let’s discuss one tactic to...
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Is a Balance Transfer Worth It? How to Know if It’s Right for You
Balance transfers are a somewhat controversial topic in the world of credit repair and debt payoff. They can be a wonderful tool for helping consumers get out of credit card debt without being crushed...
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Easy Credit Hacks That Will Actually Get You Results
Credit repair can be a long and difficult 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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FICO 10: What You Need to Know About the New Credit Score
In 2020, FICO, the company behind the FICO credit scores, released the latest models in their line of credit scoring algorithms: the FICO Score 10 and the FICO Score 10 T. The “T” in the latter scoring...
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Building Credit With Revolving & Open Credit Accounts
The right credit score can make a world of difference to your financial future. Not only can a good credit score make it possible to obtain financing for major purchases, but it can also help you lock...
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