Do you prefer to use the so-called plastic money and you’re trying to get a credit card? As you already know that you must pass the approval process of creditors to get it. And even though it’s easy to file your request, there are certain...
Debt collections listed in your credit report, it’s not the best thing ever, but there is a solution. If for any reason you left your creditors unpaid, they can and they most probably will, send your account to a collector. The debt collector is the...
You have credit cards and you use them very often, but do you know anything about credit card fraud? You probably heard about it, but it never happened to you, so you didn’t bother learning more about it. *Here goes buzzer sound* Wrong! It can...
In a perfect world, we wouldn’t need to borrow money from lenders, including cases of mortgages, buying a car or funding our studies. However, it’s not widely possible to buy a house with cash, so most of us seek for a financial help at some...
You know you have a credit score, and you’re doing everything you can to keep it in a good shape. And then someone is asking you how’s your FICO score going. Wait, what is FICO score, and what do I need to know it? Baby...
Is the balance of your savings account zero, or it definitely needs a boost? Well, you’re not alone. Saving money when you barely make enough to cover your expenses, can be really hard. However, there are always small things here and there that can save...
While many will argue that bankruptcy brings the end of the world, the truth is, that there is light at the end of the tunnel. Bankruptcy can be a great opportunity to restart your finance, and learn how to manage them better in the future....
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...
You have a good job with reliable income, you are diligent with your payments, so your credit score goes really well. Well...
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...