Credit Archives | General Finance Blog

December 25, 2024
Credit

Mortgage Lenders for Bad Credit: Get Approved Today!

Getting a bad-credit mortgage—FICO deems scores below 580 as “poor”—takes more time and effort to find the right loan program from an agreeable lender. However, yes, some home loans...

September 25, 2024
Credit

The FICO Formula: What Impacts Your Credit Score

In theory, you have a FICO score if you have credit. However, how exactly is it calculated? By never disclosing the specifics of the FICO methodology, the Fair Isaac...

October 9, 2021
Credit

Life without a Credit Card and Credit Score

Life without credit can easily translate to a life without debt, so why complicate things with credit cards, credit scores, and insane interest rates that drain us like gigantic...

December 19, 2020
Credit

How to Check Your Credit Score for Free

You might be thinking why it is even necessary to answer this question but believe it or not, your credit score is something that indirectly influences your major financial...

March 3, 2017
Credit

How to Achieve Success in Negotiating with the Creditor

Negotiation requires skills. Not everyone possesses such skills. Business negotiations are easier because if the negotiation fails, the negotiator only loses out on potential opportunities. But when negotiating with...

February 21, 2017
Credit

5 Ways You Can Remove Collection from Your Credit Report

I guess you’d agree with me that the credit report is one of the most vulnerable things out there. You forget to pay your balance in time. The creditors...

January 8, 2016
Credit

Tips for Buying a Car With a Bad Credit History

When the sounds of your old clunker begin to indicate that its time of demise is certainly drawing near, you may begin to panic at the thought of trying...

June 6, 2014
Credit

What is Your Credit Utilization Ratio – Read Here

Having credit—primarily through credit cards—can be a very important aspect of life. Credit cards often give a person the financial history necessary to get bigger loans, like for a...

May 7, 2014
Credit

How to Know Your Credit Score for Free

Do you need to know about credit scores but don’t know how to go about it? Do you also feel confused as to what an excellent credit score should...

August 2, 2013
Credit

Things That Could Secretly Be Hurting Your Credit Score: Gone Unnoticed?

That three-digit number rules your financial life! That is true in the present world, wherein every transaction you do is threaded to reflect in your credit report. You may...