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Elizabeth Warren said among others about bankruptcy: “Bankruptcy is about financial death and financial rebirth. Is the great American story rewritten. We're a nation of debtors.” While the majority of people believe that declaring bankruptcy is the worst thing can happen, they may need to...

You should know it by now, a good credit score can rule the world! It may be difficult to reach the top with above 750 points, but you can surely maintain a good one. It’s a number that can literally improve your life. It takes...

Credit score along with your social security number, are the two most important numbers in your life. However, credit score is the know that determines your financial future, which makes it extremely important. But understanding your credit score it’s not an art that everyone has...

In order to build a good credit score, you have to work hard, efficiently, and be diligent towards your credit responsibilities. And as you probably understand, this cannot happen overnight. So, what happens if you’re not any close to a great credit rating and you’re...

Credit cards are admittedly, the fastest way to help you build your credit rating. However, in order for your application to get accepted, you need a good credit score! It may sound odd, but this is the actual reality. Secured credit cards on the other...

Unfortunately, not everyone is able to buy a house with a single cash payment, especially combine with the global economic crisis. So, this is where mortgage applications and home loans hop in to help. And what do you need in order to convince lenders to...

Removing disputes from your credit report is not as difficult as you may think. If you have open disputes listed in your report, it’s possible that lenders will reject your loan application. It is also possible to ask you to remove the dispute before approving...

You’ve heard about a hard inquiry, then for a soft one, and you have so many questions about them. What is it, and why should I know it? Does it affect my credit score? Is it shown on my credit report, and if yes, how...

What is bad credit, and what does it mean no credit? Are they similar or different? How the one affects the other? Four simple words, but so many questions! You heard some bad credit here, some no credit there, but you don’t really know what’s...

It’s not a secret anymore that our world is not as it used to be, and that includes both pros and cons. Online banking, web exclusive offers, and so many other financial amenities in the digital world, they can be a two-edged knife. As you’re...

With a simple Google search of the words “credit score” you can come across 790.000.000 results within 0.70 seconds! Ads and posts for free consultations, definitions of the term, opinions, problems and solutions, explanatory articles, you can find anything that you possibly want. That’s a...

As of 2018, there are 45 million Americans that owe the astronomical amount of $1.56 trillion in student loan debt. And if that wasn’t scary enough, know that this is around $521 billion more than the overall credit debt of U.S. While student loans aren’t...

A foreclosure can be really frustrating and has a big impact to the life of those affected. But not everyone knows what exactly what it is, or what is the process of it. Foreclosure is the situation where a borrower fails to meet the financial...