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A good credit score can serve as a gold ticket for a variety of future life events. It can help you to build a financially secure, and successful future. A good credit rating opens a number of doors such as employment opportunities, fair interest rates,...

With a simple search on Google you’ll see that the United States has the largest prison population in the world. Going to jail can negatively affect a number of life events once you’re out. Criminal record and credit are somehow connected but things are not as bad as...

For many people, January is just a trial month before they jump ready and steady into the New Year. That being said and with our foot just stepping into February, there is no better time to take actions in order to repair your credit. If...

Like anything else on the earth, even your credit report can come with mistakes, inaccurate, or incomplete information. That’s why it is crucial that you meticulously check your credit report from all the credit bureaus, once a year. What happens if you find faulty information...

Did you just receive your credit report and everything seems Greek to you? You're not alone! Every time you read your credit report, especially for the first time, can be really overwhelming and confusing. In order to understand what you’re reading, first you should know...

Only by typing credit score on Google, you’ll come across millions and millions of results. Big headlines on how to build your credit history, good or debt, and the list goes on. Building a good credit score requires time, effort and consistency, and unfortunately for...

Most of you, the so-called Millennials, you are now in your 20s and 30s. A crucial time in someone’s life to make major financial decisions. Think home and car ownership, or long-term investments as an example. Yes, it’s difficult to grow when there is such...

You may be thinking now, how quotes are related to my financial issues? Well, quotes have a difficult to explain, yet compelling power. It’s about a basic human need to fit and feel related with the surrounding environment. People love to adopt mantras and live...

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Little things can cause you as much - or even more - pain as the bigger things in life. Little things can really add up, especially if you continuously ignore them.

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There`s a lot of reasons why parents should start saving for their children`s college education. Some start right when the baby is born and some wait until their child enters high school. But when is the best time to start saving?

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With a baby on the way, parents often start to think about their future. Thoughts like: What will my kid be in the future? Should we start saving money for a college education? But what if she/he doesn`t want to go to college?

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It’s not just high demand or steep monthly payments that could come between you and a loan at the bank, a credit card you would like to apply to or an apartment that you would like to rent. There’s another big obstacle: your credit score. If you have bad credit or no credit at all you are already at an unfavorable position in relation to other applicants. But who has a harder time: people with bad credit or those with no credit?

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There are a lot of words we think of when we see the words “cost-effective”: cheap, lesser, affordable, etc. and even though Christmas and New Year's day are not passed yet you know that you need to start spending smart and saving smart if you want to be able to go on those Spring and Summer Vacations.


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Bad Credit VS No Credit is very similar in a sense that both of them are far away from good credit, other than that they are completely different. But what is the difference between them?

No credit means you don’t have a credit record, a lack of credit history. Bad credit means you do, and it's a result of poor history, basically, it means you’ve made some big mistakes.

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The process of credit repair will differ between credit repair companies so you should ask about the specific agency's process before you apply. Generally, you will be offered a complimentary initial consultation, after which the following process will apply: