Credit and Divorce: 2 Proven Ways To Protecting Yourself During Divorce

If you are going through the personal turmoil of divorce, many times the last thing you want to have to deal with is situations that require you to pay attention to financial realities. However, you really owe it to yourself to do so, because if you don’t you could find yourself suffering unduly from credit problems that aren’t even your fault. There are two main things you need to understand about your credit and divorce: Understand your divorce decree fully – One...

Secured Credit Cards: 5 Ways to Find Them

A person who needs to repair, or build up their credit, may want to look at signing up for one or more secured credit cards. With this type of card, a person makes a deposit and can then make charges up to that amount. One can charge purchases, and either pay off the balance or make minimum payments over time. The credit card holder, though, is responsible for ensuring the company that supplied the secured credit cards reports it to...

Rebuild Your Credit Score The Right Way

Want to rebuild your credit? Repairing your credit is the first step to rebuild your credit. To bring up your score, it takes patience, dedication and a willingness to change your ways. Credit scores are based on credit history. Meaning, creditors will look at several years’ worth of your credit history to determine whether or not you are a good credit risk. You know you need to have a healthy credit score in order to get the things you want...

What Is a Bad Credit Score? 5 Things You Should Know

There has been plenty of talk about good and bad credit scores in the news lately. It is no secret that there plenty of people who have come to the realization that their credit scores are holding them back. The bad credit score is holding them back from owning a home, going to college or eve buying a car. So what is a bad credit score? The terms have changed quite bit over the last decade or so. What used...

How to Build Credit score in 5 Simple Steps

A healthy credit score can make life much easier and enjoyable. Unfortunately, many people don’t realize how important a credit score is to get the things they want most out of life, like a new car or their dream home. Missing a payment on a credit card or allowing a bill to go to collection can have long-lasting effects on a credit report. Negative marks on a credit report can cost several points and when it comes to a credit...

How to Improve Your Credit Score and Get Results

 You may be wondering how to improve your credit score, but it’s better to think in terms of your overall credit health. Many Americans are searching for the answer to their credit issues and many of these same individuals are wondering whether or not credit repair is even legal. Because a credit score dictates everything from housing approval to even job approval in some professions. It may seem like an untouchable number that one cannot alter for the better without...