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Money

How Your Credit Score Affects Your Auto Loans

Buying a car is an important investment and a big decision. You depend on your vehicle to get you to work, school, and anywhere else you need to go. If you, like most people, can’t pay cash upfront for a reliable vehicle, you’ll have to take out an auto loan. A major factor in determining […]

Money

Why People with Good Credit Can Get Denied

If you are like many credit-conscious individuals, you have spent time improving your credit score. You have worked hard to make your payments and avoid anything that can negatively impact your credit score. Then you may have been surprised to be rejected for a loan or a credit card. Or, if you haven’t been denied […]

Money

Credit Report vs Credit Score: What’s the Difference?

Learning the difference between your credit score and your credit report can be confusing. Both are important, but they contain different information and are used differently. Learning to check and manage both your credit score and your credit report are important parts of maintaining your overall financial health. WHAT IS A CREDIT SCORE?  Your credit […]

Money

What Collection Accounts Are and How to Remove Them

When a bill isn’t paid by a consumer (i.e. credit card, medical, utility, etc.), the creditor has a process to follow. Sometimes this process includes selling the account to a debt collector or turning the account over to a collection agency.  Creditors typically wait for the bill to be 120 days past due before turning the account […]

Money

How To Travel and Not “Go Broke

How to Travel and Not go Broke Whether you’re a snowbird escaping the cold for warmer pastures, someone who always uses their annual vacation time right away or you just regularly travel this time of year as a pick-me-up following Christmas and New Year’s, getting away at any time – let alone during the winter […]

Money

What To Do If You Don’t Have A Credit Score

What To Do If You Don’t Have A Credit Score It’s estimated that about 50 million American adults don’t have a credit score. That’s right — not good credit, OK credit or poor credit. We’re talking no credit. And that can be a huge problem if you’re unable to pay for something like a car […]

Money

What is a Tri-Merge Credit Report?

Applying for a mortgage is a little different from applying for any other type of loan. Because of the size of the loan, you’ll undergo a much more thorough underwriting process for a mortgage than you would for an auto loan, a student loan, or most personal loans. One thing your lender will do is examine your […]

Credit Score, Loans

Five Steps to an Easier Home-Buying Process

In today’s market, the opportunity to own an affordable home has become harder for many. Increasing real estate prices and rising interest rates have made once-attainable properties almost impossible to buy. However, this doesn’t mean purchasing a home is beyond your reach. There are just a few real estate regulations requiring homebuyers to meet minimum […]