When you have bad credit, it makes it extremely difficult to be able to be approved for new credit. You essentially need new credit on your credit report to start… Read more »

Many people don’t get help in regards to their credit for various reasons. The biggest reason I have personally seen is they are simply embarrassed by the fact that they… Read more »

Your credit score is determined by 5 different factors. Each of these factors hold a different value or weight when calculating your FICO score. The 5 factors that make up… Read more »

Throughout the years you may find yourself wanting to refinance your home. Just like purchasing a home, most creditors require a credit score of at least 620. Although, if you… Read more »

Establishing credit can seem difficult as many creditors require you to have credit to give you credit. No credit ultimately is better than bad credit. Credit is very important in… Read more »

Every time you apply for new credit an inquiry will appear on your credit report. When applying for new credit, it is also important to know that not all creditors… Read more »

Going over your credit card limit may not only affect your credit, it may also affect the money in your pocket. Your debt ratios account for 30% of your entire… Read more »

At an average 8 out of 10 credit report have errors. The number one complaint reported to the credit bureaus involve errors on credit reports. Errors are part of human… Read more »

Debt settlement means negotiating with a creditor to agree to accept less than the full amount owed to them. Our company can negotiate to save an average of 30%-70% off… Read more »

Joint accounts are very common especially with spouses, family members, and even friends. Joint accounts mean 2 people have joint responsibility for the account whether it be a loan, credit… Read more »