5 Ways to Avoid Bad Credit After a Breakup

Credit Score

5 Ways to Avoid Bad Credit After a Breakup

5 Ways to Avoid Bad Credit After a Breakup

Forget the “till death do us part” mantra — cohabitation has become the new normal in the U.S. Most millennials will move in with a significant other before marriage, and a high percentage of them will end up packing their boxes to leave. A National Center for Health Statistics report found that of those who… Read More

More Americans With Bad Credit Are Getting Auto Loans

Auto Loans

More Americans With Bad Credit Are Getting Auto Loans

More Americans With Bad Credit Are Getting Auto Loans

As the economy has improved, lenders are increasingly giving auto loans to consumers with low credit scores. In a review of second-quarter automobile financing, credit bureau Experian outlined year-over-year changes in the market. Overall, outstanding loan balances increased $69 billion from the second quarter of 2012 to about $751 billion. When looking at the year-over-year risk distribution… Read More

How to Get a Mortgage With Bad Credit

Mortgages

How to Get a Mortgage With Bad Credit

How to Get a Mortgage With Bad Credit

Today, there is still a general consensus that to buy a home you need to have 20% down and a good-to-excellent credit history. The good news is you actually don’t need a large down payment or great credit in order to purchase a home with competitive market terms. Let’s look at the characteristics of what… Read More

How Important Is Your Credit Score?

Credit Score

How Important Is Your Credit Score?

How Important Is Your Credit Score?

“How important is your credit score?” That question was posed to me recently as I stood onstage after delivering a presentation on how to optimize your credit to a group of some 500 women for the annual Women’s Money Conference in Las Vegas. I only had a few moments to summarize the importance of credit… Read More

The 10 Plagues of Bad Credit

Credit Score

The 10 Plagues of Bad Credit

The 10 Plagues of Bad Credit

You may not even realize the impact bad credit has on your life, but if you take a close look, you’ll see that it is likely costing you money, time and even relationships. In the Old Testament, the people of Egypt suffered 10 plagues because Pharaoh wouldn’t allow Moses to lead his enslaved people away…. Read More

How Sunscreen Can Ruin Your Credit

Credit Score

How Sunscreen Can Ruin Your Credit

How Sunscreen Can Ruin Your Credit

In the spring, snow melts and flowers bloom and many people take time off for a little vacation. Regardless of whether your preferred vacation spot is just around the corner or on the other side of the globe, you might be surprised to discover that your sunscreen can keep you from buying a car this… Read More

5 Loans That Don’t Require Good Credit

Credit Score

5 Loans That Don’t Require Good Credit

5 Loans That Don’t Require Good Credit

If you have bad credit or no credit, the thought of a lender looking at your credit is probably a little unnerving; sometimes terrifying is the word. But not all lenders require you to have stellar credit to get a loan. And a few won’t even check your credit reports or scores. Here are five… Read More

The 6 Biggest Ways Bad Credit Can Mess Up Your Life

Credit Score

The 6 Biggest Ways Bad Credit Can Mess Up Your Life

The 6 Biggest Ways Bad Credit Can Mess Up Your Life

Bad credit is something you don’t want associated with your finances. Unfortunately, you may have less than stellar credit at some point in your life. Credit scores represent a person’s credit worthiness, designed to show a lending institution who is a good investment, and who is… not so much. Banks believe that credit scores —… Read More

Many Americans Think Having a Low Credit Score Is Fine

Credit Score

Many Americans Think Having a Low Credit Score Is Fine

Many Americans Think Having a Low Credit Score Is Fine

After years of economic turmoil faced by millions of Americans, a large number of consumers now have new attitudes toward the kinds of financial missteps that can land borrowers in credit trouble, including strategic defaults. A sizable amount of Americans now consider it socially acceptable to have a low credit score or strategically default on… Read More

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