Credit Scores

17
Oct
Getting Collections Removed From Your Credit Report

At a Glance:While it may seem daunting to remove a collection account from your credit report, it is an important first step for repairing your credit. Learn how to remove paid collections from your credit report below. Maintaining a good credit score and clean report is crucial for a healthy financial life. However, there are […]

Posted in: Credit Scores,
17
Oct
Does Your Tax Refund Affect Your Credit Score?

At a Glance:Sometimes people wonder if their tax refund affects their credit score. The short answer is no. Your tax refund has nothing to do with your credit score. When you work for an employer, you will typically fill out a W-4. This form is the Employee’s Withholding Allowance Certificate, which is how an employer […]

Posted in: Credit Scores,
08
Oct
How to Raise Your Credit Score 100 Points Overnight

Every day, the words “raise your credit score 100 points overnight” get typed into internet search engines. Users might be trying to buy a house or even a buy a car. Perhaps they just found out they were declined for credit and learned their score is a lot lower than they thought it was—or lower than it […]

Posted in: Credit Scores,
04
Oct
Do You Have to Put a Down Payment On a Car?

In an ideal world, automobiles run flawlessly for several years, only to be replaced after you’ve managed to save up just the right amount of money to purchase a new one. That’s far from how things work though. Cars break down and repairs are often costly.If you’re tight on cash but need a new car, […]

Posted in: Auto Loans, Credit Scores,
04
Oct
Do Evictions Show Up On Credit Reports?

If you have a past eviction, you might be worried that it shows up on your credit report. The good news is that there’s no section on a credit report titled “Evictions,” and in fact, there is no credit reporting agency that will put your specific eviction in your credit report.The bad news, however, is […]

Posted in: Credit Scores,
02
Oct
What Credit Score Is Needed to Lease a Car?

If you are looking to save money on your monthly car payment or like to drive new cars, leasing a car might be a good option for you. In 2017, customers taking out new car leases had an average credit score of 722, as reported by Experian. If you have an above average credit, 680 […]

Posted in: Credit Scores,
02
Oct
How to Clean Up Your Credit Report

Maybe you were just denied for a credit card, or maybe you’ve missed a few loan payments this past year. Are you concerned about what’s staining your credit report? How do you clean up your credit report, if you don’t even know where to find it?In this article, we will guide you through six steps […]

Posted in: Credit Scores,
25
Sep
Best Credit Monitoring Services

At a Glance:Credit monitoring services can alert you to credit report changes and potential identity theft. Some services can also monitor your Social Security number or tell you if your information was found in a data breach. Most plans charge a monthly fee, but there are free options. If you’ve ever found yourself wondering whether […]

Posted in: Credit Scores,
21
Sep
Does a Background Check Affect Your Credit Score?

Background checks are becoming increasingly common as businesses, organizations, and individuals try to safe guard against threats like theft and violence.One of the most common reasons people are asked to consent to a background check is to secure employment. 98 percent of employers conduct background checks in their pre-hiring process according to a recent survey [&helli

Posted in: Credit Scores,
18
Sep
Best Free Credit Report Site

At a Glance:Reviewing your credit reports is crucial to your financial health. Fortunately, several websites let you check your credit reports for free. Some sites will also include access to your free credit scores, free credit monitoring, and free identity theft protection. Regularly checking your credit report is more important than ever. The Federal Trade […]

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