Tag Archives: credit history
When Accounts are Missing from Your Credit Report
You report errors on your credit report or signs of identity theft, but is it cause for alarm when accounts are absent from your history? The good news is there’s no need to panic, but it’s important to understand what … Continue reading
How To Establish Credit
It may seem like you have to have credit to get credit, so are you left wondering where to start? Applying for big name credit cards are not your only road to establishing credit. From checking your credit report to … Continue reading
Why ‘Keeping up with the Joneses’ May Not Be Good for You
Who doesn’t want to be surrounded by nice things, step out every day in fashionable clothes, and vacation somewhere luxurious and lovely? Wanting the finer things in life is not uncommon – especially if your friends or neighbors already have … Continue reading
Calling all Creditors: How Your Cell Phone Can Affect Your Credit
In 1995, just 13 percent of the U.S. population had cell phones according to the International Association for the Wireless Telecommunications Industry (CTIA). By December 2010, that rate had soared to 96 percent, and in 2010, Americans racked up 2.2 … Continue reading
Lessons from a Horror Movie: How to Avoid Overspending
Nearly everyone enjoys the fun of a harmless scare at Halloween. But bad credit is one scare, that isn’t always so harmless. Think about your favorite scary movie. Chances are a series of poor decisions in challenging circumstances lead to … Continue reading
How Choosing Strategic Default Affects Your Credit Score
If you’re underwater on your mortgage, you may feel like you’re just throwing money away. With your home’s potential sale value less than what you actually owe on it, you could find yourself tempted to just quit paying your mortgage, … Continue reading
The Difference Between Short Sale and Foreclosure
Foreclosure rates declined in July, according to the S&P/Experian Consumer Credit Default Indices. Still, there’s no denying that mortgage defaults are alarmingly high. If you’re in the position of not being able to afford your mortgage, you may wonder what … Continue reading
Three Moves that Can Lower Your Credit Score
So you’re committed to improving your credit score, and that’s a good thing. Unfortunately, some credit moves that you think might make sense can actually be moves that lower your credit score. Here are three seemingly positive credit moves that … Continue reading
Credit Card Tips for Back to School Season
Backpacks, new shoes, clothes, supplies – when it’s time to send the kids back to school, the costs add up quickly. Supplies alone can easily run $100, and clothing a few hundred more. Here are some practical credit card tips … Continue reading
Student Loan Trends and Your Credit
Used to be, student loans were a safe, relatively low-pressure introduction to the world of credit and loans for many people. Today, economic problems and the credit crunch have influenced student loan trends. It’s practically impossible to miss what’s been … Continue reading