Before you miss that payment, check out this list of things you can’t do with bad credit and get out ahead of your credit problems Everyone takes their credit score for granted until they need a loan. The simple fact is there are things you just can’t do with bad credit. The debt-free crowd will tell you it doesn’t matter, that you should strive to pay off all debt and not use borrowed money. … [Read more...]
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How to Raise Your Credit Score 200 Points Fast
See how I increased my credit score 200 points and how long it takes for good credit Your credit score is much more than just getting a loan. From renting an apartment to getting a job and even saving on insurance, your credit score goes into all of these. But credit scores were destroyed in the financial crisis and over half the nation still has a score below the critical sub-prime level. If … [Read more...]
How to Fix a 580 Credit Score Fast
A 580 credit score isn’t the end of the world but you will need to increase it to get the best rates Credit scores are a lot like your health, you don’t even think about it until something goes wrong. Whatever you did to get a 580 credit score, it’s probably now keeping you from getting the money you need at a rate you can afford. That’s ok because now that you’re thinking about your score, we … [Read more...]
What Can You Do With a 620 Credit Score?
A 620 credit score will lock you out of a lot of opportunities but there are still doors open if you know where to look Questions about credit scores are the most common I get from readers and the 620 credit score seems to be the one where most people get stuck. It’s not quite really bad credit but still not good enough to get approved for loans at a rate people can afford. That’s why I … [Read more...]
The Shocking Difference Between APR and Interest Rate
The difference between an interest rate and APR may end up costing you thousands What’s the first thing you look for when applying for a loan? The interest rate, right? The stated interest rate gets the most attention when we apply for a loan but it may surprise you that it’s not the true cost of your loan. The interest just from that annual rate doesn’t include fees and commissions and may … [Read more...]
