Do I Have Credit

Not having a credit history can actually be a vicious circle. Some people assume that having no credit at all is a good thing because their credit isn’t negative. However, if you have little or no credit history at all, it can actually be quite difficult to obtain a loan or other type of financing. […]

Credit Score VS Credit Report

Although they may sound similar, there is actually a big difference between your credit report and your credit score. It is important to have a good understanding of what each means, and how the two differ.  What is a Credit Report? Your credit report is a detailed report of your credit history. It can show […]

How To Rebuild Credit After Bankruptcy

fresh start

While filing for bankruptcy can be a difficult decision, oftentimes it is the only solution. So I want to give you some tips on how to rebuild credit after bankruptcy and get a fresh start. Although it may be difficult to obtain credit at first, it will not be impossible – and, over time, it will […]

How To Understand My Credit Report

When applying for any type of credit, you are likely to be approved based on your creditworthiness – and this is judged by lenders and creditors from the information they find on your credit report. Your credit report includes detailed information of your overall credit history. It is maintained by credit reporting agencies, also known […]

How To Get A Perfect Credit Score


Perhaps you are an over-achiever and you want to know how to get a perfect credit score. According to The Fair Isaacs Corporation (FICO), the company that developed the credit scoring system, there is approximately 1% of the population that has a perfect credit score. This means that these individuals actually possess an 850. While […]

Benefits Of Having A Good Credit Score

Credit score is so high

I want to offer some incentives for you to work hard to raise your credit score fast by going over some of the benefits of having a good credit score. As you may know, your credit score can either help you or hurt you. If, unfortunately, you have not-so-great credit, hopefully this will encourage you to […]