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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?

04 January, 2019
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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?

04 January, 2019

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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.


26 December, 2018
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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.

26 December, 2018

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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:

30 November, 2018

Credit repair may be the light at the end of your bad credit tunnel. When you have bad credit it has a serious impact on your finances. Even one negative listing on your credit report can remain there for up to five years. This makes trying to access finance extremely difficult; the loans you are approved for usually come with higher rates or you may not be approved for finance at all.

If you have bad credit it's important to continue to manage and improve your finances to give yourself the best chance of being approved for a loan. If you're considering enlisting the services of a credit repair agency, we will take you through everything you need to know.
21 November, 2018

People who suffer from having a bad credit history may find it harder to deal with lenders. Most lending companies prefer clients with good to excellent credit and if your credit rating falls short of their expectation, your application can get easily declined or disapproved. But what if you’re really in need of financial assistance? Where can you find the right kind of help?

02 October, 2018

Let’s continue to discuss credit report and credit score beliefs that are true and false.  There are a lot of people out there making statements about things they really don’t know about, and then they are believed as if they were facts.

30 September, 2018
 

Many people have beliefs about their credit report that are just not true.  There are also things that are included on your credit report that will not hurt you.  The following things that won’t affect you may be found on your credit report:

28 September, 2018

 1. Obtain a credit card if you don’t have any Having and using a credit card or two can really build your credit score. If you cannot get a regular credit card, try 2  secured credit card, where the bank gives you a credit line equal to...

02 August, 2018

     You can certainly improve your credit rating with a variety of credit options or by keeping accounts open even when you’re not using them to improve your credit utilization ratio. But our five tips are the primary principles for crafting a good credit reputation. After all, you can’t run away from this credit rating business — so you might as well do everything you can to face it with a smile.

31 July, 2018

Concerned about your credit history? Here are practical ways to boost your credit score.

Your credit report may stay with you for the rest of your life, but it doesn’t need to be a burden. Ultimately, you have some control over how it presents your financial well-being.

Even if your credit history isn’t great now, it’s never too late to learn how to improve it. With some time, your credit rating can become stellar — and you can be rewarded with faster credit card approval or that big home loan with low rates.

18 July, 2018

Filing bankruptcy can help you reduce or eliminate debt, halt actions that creditors have taken against you and allow you to get your finances back on track. There are several different types of bankruptcy, and a skilled attorney can guide you on the most effective path to achieving a beneficial outcome for your financial situation.

09 July, 2018

When I started my business years ago, I thought the responsible business-y thing to do was to get a Post Office box.

Why?

I honestly don't know. Like business cards, it's just one of those things (at least I use the PO Box!).

Since then, I've found that a Post Office Box is a great way to hide your address and give yourself an extra layer of security.

14 June, 2018

Getting the facts straight about credit restoration and the credit industry can be a daunting task. There is a lot of misinformation about credit and many people are under the impression that there is nothing they can do to fix their credit score.

08 June, 2018