Your credit score is a key determining factor in getting a home loan and dictates what interest rate your lender will offer on the loan. I will illustrate some helpful credit repair tips for buying a house in San Diego. Why is a credit score so important in buying a new home? Your credit score …
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How The Credit Reporting Agencies Really Work When You’re In Credit Trouble
If you’ve ever taken out a loan, applied for a credit card or obtained other types of financing, the credit reporting agencies already know a lot about you. But how much do you really know about them? If you don’t understand how these organizations operate, you can find yourself in rough financial shape – especially …
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Best Ways Of Fixing Credit After A Bankruptcy Or Credit Card Settlement Case
In a sense, going through the process of bankruptcy or credit card settlement is a fresh start. But there are still consequences that impact your credit rating, which can make it difficult to finance large purchases or obtain a loan. So in the aftermath of your case, you should be considering ways you can repair …
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Correcting Errors on Your Credit Report
Most consumers don’t take the time to check their credit report on an annual basis. You are entitled to a free credit report from TransUnion, Equifax and Experian once each per year. I always recommend that you stagger these out over the year. For instance, check your TransUnion report in January, your Equifax report in …
Do You Have Too Much Credit Card Debt?
It is unfortunately all too common for consumers to carry balances on their credit cards. This may be acceptable if you are on a low or no-interest promotional interest rate. But if your credit card interest rate is in the high teens, carrying a balance can cost you dearly. Not only will you pay much …