So, you’ve finally decided to take the plunge and buy a home. Welcome to adulthood's grand arena, where instead of gladiators fighting lions, you’ll battle credit scores and interest rates. And spoiler alert: the lions might be less terrifying. Your credit score is...
BuildingCredit
Recent
Credit Basics
Building Credit
Credit Repair
Managing Debt
Home Loans
Vehicle Loans
Secured Credit Cards: A Stepping Stone to Better Credit
(Updated 11/29/24) So, you’ve decided it’s time to build or rebuild your credit. Maybe your credit score took a nosedive after an unfortunate shopping spree, or perhaps you’re just starting your financial journey. Either way, secured credit cards can be your financial...
The Role of Payment History in Your Credit Score
(Updated 11/29/24) Curious why your credit score isn’t soaring as high as your aspirations? The answer might lie in one key factor: payment history. Think of it as your financial track record – a report card for your money management skills. A stellar payment history...
Rent vs. Own: How Each Affects Your Credit Score
(Updated 11/28/24) To rent or to own—that’s the question every prospective homeowner faces at some point. This decision is more than a financial one; it also plays a critical role in shaping your credit score and long-term financial health. Whether you’re drawn to the...
Understanding How Credit Utilization Impacts Your Score
(Updated 11/28/24) What is credit utilization, and why do we feel you need to understand this when buying a home or vehicle? Believe it or not, this single factor can make or break your credit score. So grab your compasses and maps as we explore the depths of credit...
Getting an Auto Loan with Bad Credit: Tips and Strategies
Buckle up, because getting an auto loan with bad credit can feel like trying to run a marathon in flip-flops. Sure, it’s tricky, but it’s absolutely doable with the right game plan. Ready to rev up your financial engine? Let’s hit the road and break it down into...
Top 10 Credit Score Myths Debunked: What You Really Need to Know
(Updated 11/26/24) Credit scores: a mysterious number that feels like a secret handshake to financial adulthood. It can influence everything from where you live to what car you drive—but it’s also surrounded by myths that confuse more than they clarify. Let’s tackle...
How to Understand Your Credit Report
(updated 11/26/24) Have you ever felt like your financial aspirations were just out of reach? Whether it’s being denied a loan or missing out on a low interest rate, the root cause might lie in your credit report. While it may seem shrouded in mystery, understanding...
All Credit Articles
Planning to Buy a Home in the Next 12 Months? Focus on Your Credit Now!
So, you’ve set your sights on buying a home within the next year. That’s...
First-Time Homebuyer Credit Score: What You Need to Know
So, you’ve finally decided to take the plunge and buy a home. Welcome to...
How to Dispute Errors on Your Credit Report
Alright, so you’re sitting there, minding your own business, and decide to...
What is a Good Credit Score For Your Age?
(Updated 11/30/24) Your credit score is one of the most influential numbers in...
Homebuying Steps
Getting Started