When obtaining your credit report, the score you have in each of the credit bureaus is analyzed by the lender. Among other things, many lenders also look at how many times you applied for credit within a certain time frame, and how many times you got prequalified for a loan or credit. The question we will answer here is: does prequalification affect your credit score? Let’s dive into it and take a look at your credit journey.
Read MoreMedical care is a necessity, but it also means that medical bills come along with those medical procedures. The amount of medical care you need will dictate just how much the bill that you must pay is.
If you are not able to pay your medical bills, there is a potential for it to impact your credit rating. However, your medical bills do not always have an impact on your credit rating. It is crucial to find out just how much your credit may be impacted. Please continue reading this credit report article to find out more information.
Read MoreCelebrate because there’s no magic formula nor do you have to be wealthy to achieve an 850. You do need a job or regular income from a business of at least the US median salary of $70,000. You also have to make all of your payments on time. You should use as little of your credit as truly needed.
Read MoreYou have a credit dispute letter to write. What is a credit dispute letter? It is your friend. This short letter can set your account right again quickly and recoup those lost points. Learn everything about it here.
Read MoreYou may have heard the terms credit score and credit report. You may know that your credit score impacts getting a mortgage, a new car, and even insurance for that car. Have you ever been denied a credit card or a personal loan? Did you ever find out why? Do you really understand why your credit score impacts those items?
It all starts with a credit report that lists your entire credit history and ends with a three-digit number. To make matters worse, it may seem confusing when you learn there are different credit bureaus that all report a little differently. Keep reading to find out more information about all of the credit bureaus, including the fourth one of which you rarely hear.
Read MoreIt does not matter if you have a brand new start up, or you have a well established business, they all face the same credit concerns. Even when your business is doing really well and making a large amount of profit, you must work hard to maintain great credit. You also must be careful not to get your business credit tangled up with your personal credit. That could prove to be a disaster for your business and for your personally.
Read MoreEven if you do everything you can to protect your own identity, so many organizations have suffered from breeches and loss of information that directly impact you. No matter what you do, you cannot always be sure that your information is always protected. You must put every precaution you can in place and keep your eye on your own information.
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