Tips for rebuilding your credit score on your own

Your credit score has a huge impact on your overall financial future, ultimately influencing your ability to take out loans, the interest rate you get on those loans, and your overall financial future. Unfortunately, many Americans have found that the financial mistakes of their youth follow them years or decades later. Thankfully, there are ways […]

What are the benefits of having a strong FICO SCORE?

What is a FICO score? It is a numerically simplified summary of your credit card report that was introduced by the fair Isaac Corporation in 1989. It is used by 90% of lenders in United States as a standard to determine the likelihood of a debtor repaying a loan. Your FICO score not only determines […]

How to get a free credit report

Your credit report speaks volumes about your creditworthiness. It contains a complete record of your credit history. As such, it not only influences how creditors view you but also determines whether they can trust you with their funds. For this reason, it is important that you check your credit reports at least once per year […]

Best debt payoff methods

Sadly, debt is rampant in America, with each household in America holding an average of higher than $8,000 in credit debt, and United States total consumer debt is more than $13 trillion. Debt, of course, can severely damage your financial future, sapping you of valuable resources while negatively impacting your credit score. Many of us […]

How are FICO scores calculated?

FICO scores are your credit scores. They vary from person to person and can increase or decrease weekly, depending on a variety of different factors. Here is a brief outline of how your credit score is calculated. Factors of Your Credit Score There are five main sections that all calculated together to give you a […]

Best Identity Theft Services

1 in every 15 people in the United States and 1 in every 4 people above the age of 55 become victim to identity fraud. In fact, every 2 seconds, 1 person joins the numbers. In 2019, a whopping $1.9 Billion was lost by consumers. Identity theft and fraud stand at the top of the […]

Free options to help rebuild your bad credit score

According to available information, 1/3 of Americans have a credit score of Fair or Very Poor. This is a big problem for these individuals, as these lower scores mean less financial opportunities, higher fees, and more money wasted in higher interest rates. These expenses come from the perceived credit risk that comes with lending money […]