Are You A Credit Risk?

How you used your credit in the past and the reasons for your past financial difficulties are two factors that affect your ability to get a loan.
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How Do You Handle Credit?

At some point or other, most everyone applies for some form of credit, whether it’s for a new house, a new car or bank credit cards. There are very few people who can afford to pay cash for every single purchase.
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Mistakes In Your Credit Report

What should you do if you find mistakes in your credit report? As you read through your report, make a list of everything out-of-date.
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Obtaining A Copy Of Your Credit Report

Your credit can determine what type of car you drive, what you can buy and even where you can live. It is important to maintain the best credit report possible. Each consumer should check his or her credit report and make sure it is correct.
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Practical Ways To Rebuild Your Credit

People who have been through a financial crisismay think they won’t ever get credit again. This is certainly not true. By following some simple steps, you can rebuild your credit in just a couple of years.
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The Lender’s Perspective

Why is it that some lenders say no when others say yes? Here is why. All lenders make a judgment about…
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Think Twice Before Co-Signing

One huge area of financial vulnerability is co-signing someone else’s loan. Co-signing is essentially a quick way to go into debt. People who co-sign feel that they are doing a relative or friend a favor.
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What’s In A Credit Report?

To understand the credit process, you first need to understand what information is contained in a credit report. Although the style, format and coding may be different depending on which credit reporting bureau is used, the typical consumer’s credit report includes the following four types of information…
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Your Credit Score

A credit score is intended to be a snapshot or summary of your credit history. It is produced with a computer model created most often by Fair, Isaac & Co. (or FICO) leading to the somewhat generic term “FICO score”.
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