Tag Archives: credit score

Co-Signing For A Loan

Here’s a good question, “Is co-signing for a loan an idea you should entertain?” Keep watching to learn why you might want to dodge this strain, and avoid possibly sending your credit down the drain..

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How To Take Advantage Of Great Credit

It’s often said that too much of a good thing can actually be bad, but when it comes to your credit score there’s no such thing. Let’s take a look at the benefits of having great credit, and how to … Continue reading

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Credit Score Part 5: Credit Score Breakdown



Being diverse when it comes to your credit score is indeed a good thing. You want to be a well-rounded consumer. The key is to not go overboard on the types of credit used. Having too many credit cards, mortgages, and other forms of long term debt could mean you have bad borrowing habits. Practicing good borrowing habits now will make you look like a fantastic borrower in the future. Watch this video to find out more and be sure to check out Credit Score videos 1 through 4 too!
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Credit Card Part 4: Inquiries And Applications





Each time you apply for new credit, that inquiry can affect your credit score. Too many inquiries and applications can also affect your credit score; but getting your credit pulled from the same source limits the hits on your credit. We know this may all seem a bit confusing but what does it all mean to you the consumer? Continue reading

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Credit Card Part 3: Credit History





Did you know that your credit history impacts your credit score? Much like how your grades earned early in your college career impacted your final GPA, your credit history affects your credit score. Your credit history is analyzed in two ways: the duration of time you’ve had any type of credit as well as how long you have had each type of credit. Did you know if you have a credit card and you don’t use it, it may negatively impact your credit score? Continue reading

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Credit Score Part 2: Your Payment History

Building or rebuilding your credit score can be difficult, especially when you’re not well-informed. That’s why I’m going to tell you the most effective way to build or rebuild your credit score, which is undoubtedly understanding and improving your payment history. Continue reading

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Credit Score Part 1: The Amount You Owe

Your credit score can make or break you, but you don’t want to let it break you. I’m here to show you how your credit score is put together and how you can improve your credit. Today I’m going to show you your FICO credit score, and how the amount you owe plays into determining your credit score. This is just one of the ways that Credit Bureaus are going to actually compute your credit score. Continue reading

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What Is A Credit Score?

You don’t want to live on your mom’s couch for the rest of your life, so you’ll need to get a good credit score to get a place of your own. It’s time to buckle down and begin building your credit so you don’t have to rely on your mom’s. A good credit score can help you get the keys to your apartment, your next car and, in the long-run, your dream home. Your bank, a department store or even a landlord check your credit score to determine whether you are fiscally responsible to borrow money or pay your rent. The higher the credit score the more “credit worthy” you are deemed. A good score can result in a lower interest rate on a car loan, a mortgage or a sweet apartment… Continue reading

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