Credit

Many people dream about building their homes from the ground up, but very few find themselves in a position where they’re actually able to do so. If you’ve managed to make your dream a reality, congratulations! To make the most of your new build and protect your assets, consider these five aspects of self-build finances. What’s your credit score? If you’re thinking … [Read more...] about 5 Financial Considerations to Make Before Building Your Own Home

First, it’s important to understand what bad credit is. When you apply for loans, the lender will always check your credit score. This will tell them how reliable you are as a borrower. If you’re considered to have bad credit or a low credit score, it will suggest that you’ve struggled to keep up with debt repayments in the past. However, there are plenty of reasons … [Read more...] about Can Loans Be Acquired with Bad Credit?

You’re sick and tired of paying the highest interest rates, hoping and praying whenever you apply for credit, and generally feeling like a second-class citizen because your scores aren’t up to snuff. You’re also seeing inaccurate info on the reports you want to be removed. What to do? You’ve considered handling it all yourself, but you’re not confident you can pull it … [Read more...] about Does Credit Repair Really Work?

If you have ever been turned down for a car loan, mortgage or credit card or subjected to high-interest rates because of your credit profile, you have tested part of the consequences of bad credit. Your credit score is the benchmark against which lenders determine whether to approve your credit application or not. The score is calculated from your financial history and … [Read more...] about What Are the Consequences of Bad Credit?

It is not an understatement to say that the covid-19 pandemic has upended how the entire world operates. Since the shutdowns started in March 2020, many people found themselves facing a financial upheaval for which even the most diligent budgeters could not have planned. As people's savings dwindled and relief seemed sparse, many people fell behind on payments and saw their … [Read more...] about How to Protect Your Credit Score During the Coronavirus Crisis

1. Pay Your Bills On Time Late payments, collection accounts, and past due accounts significantly impact your overall credit score, hence should be avoided at all costs.  Paying your bills on time, however, works towards improving your credit and reduces the risk of accumulating debts. The payments however ought to be consistent for at least 18 months for results to start … [Read more...] about 4 Straight-Forward Tips To Better Credit

Do you know how many credit cards are used throughout the globe? The answer is 2.7 billion. Approximately 70% of people have at least one. The most popular ones are master cards. What do these figures indicate? This shows that their popularity is increasing. If you own one, then maintaining a good borrowing history is really necessary. It increases the chance of the loan … [Read more...] about How to Build a Good Credit History: 5 Things You Need to Know!

When applying for a loan, regardless of the amount, the usual step forward is to check the borrowers' credit score. And every lender goes through this step. But, did you know there are loans that do not need any credit check? In fact, you should learn more on no credit check loans in Canada, especially if you need cash right now. And thankfully, this article can give you … [Read more...] about 5 Fast Facts About No Credit Check Loans In Canada

In 2019, approximately 53% of all Americans had a bad credit score. This reflects financial struggles among the people, with a majority of them being unable to service existing loans. If you're struggling to get out of this financial quagmire, you shouldn’t despair fast. Numerous institutions offer loans for people with bad credit. This article will offer invaluable tips … [Read more...] about 7 Practical Tips on How to Get a Loan with Bad Credit Score

When looking at the impact of a short-term loan on your credit score, it can often seem adaunting as any loan has the potential to negatively impact your credit score. However, it is possible to keep that from happening whilst getting yourself out of financial trouble. In this article, we will be providing you with insight into how a short-term loan can affect your credit if … [Read more...] about Will Short Term Payday Loans Make Your Credit Rating Drop?