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It’s technically your credit score, but it can feel like the number that inmates get when they enter a prison. It soon becomes one of your identifying factors. You are no longer Mark or Lisa. You are 750 if you’re lucky or 500 if you’ve hit...

Your credit score impacts various parts of your life. It can help you land a new job or get a mortgage. It’s the key to getting a new car and renting an apartment as well. Because your credit score is so important, you need to...

You are sick and tired of wasting your money by renting apartments and houses. You want to make your money finally work for you by buying a home, but you have one glaring problem – you have bad credit. You might think that means you can’t...

The Fair Credit Reporting Act (FCRA) regulates credit bureaus to ensure that all information they report is accurate. Of course, the FCRA can’t go in and monitor all of these reports. Instead, it encourages people to check their reports for inaccuracies. To make that easier,...

You don’t have much money saved for a down payment, but you want a home. These days, you have several options for no-down-payment loans. The United States Department of Agriculture (USDA) and U.S. Department of Veterans Affairs (VA) both offer no-down-payment loans, and the Navy...

The credit industry is at a crisis point. On the one hand, inaccurate reporting is hurting credit scores and causing a lack of trust. On the other hand, the scoring system itself is broken. It has proven time and time again that it isn’t a...

You might feel like you’re on your own when it comes to your credit, but that’s far from the truth. In reality, the government passed the Fair Credit Reporting Act to protect consumers just like you. This act states that all of the information on...

You tried your best to pay off your debt, but no matter what you did, you couldn’t get out from under it. That’s when you finally made the decision – you filed for bankruptcy. Now, you aren’t sure if that was the right decision. The bankruptcy...

You want to buy a home but, before you move forward, you need to make sure that everything is in order. That includes establishing a stable income. If you don’t have a stable income, you won’t find a lender to loan you the money. It’s...

Home ownership is about so much more than a monthly payment. You need to think about the additional expenses that home ownership entails before you can truly prepare for taking on this huge responsibility. Look at what you can expect to spend when you own...