It may seem like obvious advice, but there’s so much truth in it that it bears repeating: if you’re looking for affordable payments on your mortgage you need to raise your credit score. The good news is that there are many ways to do just that. Many consumers don’t...

Learn about Credit and how it Works By understanding credit scores and how they work, you can manipulate credit to your advantage.  Once you have the knowledge, you can take a critical look at your financial situation and credit score.  From there you can...

Credit is Powerful This world is driven by credit.  When you have good credit, it will allow you to purchase the home you want and you’ll have higher credit limits for use in case of an emergency.   Here are some other ways an excellent credit score can...

If you’re thinking about buying your first home then you’ve got a lot to think about! There are likely numerous questions swimming around in your head – especially when it comes to qualifying not just for a mortgage but for a mortgage with good terms. Take a look at...

The Right Way  When most people think of credit repair they think of credit bureau disputes. Historically credit bureau disputes have been the heart of the credit repair process. It turns out that it is really just a first step.  Credit bureau disputes are...

We live in an expensive world, and not everyone always has the money to get what they want when they want it. As a result, there are many ways to borrow money to finance the products and services that we can’t afford to buy outright. For many people this is a...

Ever had one of those moments when you shake your head and say:  "Why hasn’t anyone told me about this before?" If you are struggling to pay off collection agencies in hopes of improving your credit score, it’s likely you are doing more harm than good. ...

Many consumers who begin the work of repairing their credit assume that the best option is to pay off collection companies as quickly as possible. What they don’t realize is that this is often not only not in their best interest, but those collection companies may not...

Many Americans struggle with maintaining good credit. At times, circumstances are beyond your control. Other times, you have the ability to avoid being considered a credit risk. The bottom line is: your creditworthiness is determined by your credit rating (called your...