How to Avoid the Post-Holiday Credit Blues

Managing Debt

How to Avoid the Post-Holiday Credit Blues

How to Avoid the Post-Holiday Credit Blues

January is always an interesting time because it feels like a new beginning: we’re starting a whole new year, full of exciting possibilities. For some people, though, January isn’t just about the possibilities; it’s also about dealing with the credit score impact of your decisions during the holidays. Purchases made on credit cards, for example,... Read More

China’s Big Credit Score Idea: Should You Be Scared?

Credit Score

China’s Big Credit Score Idea: Should You Be Scared?

China’s Big Credit Score Idea: Should You Be Scared?

Imagine a “credit score” that didn’t measure the likelihood that you will pay bills, but instead the likelihood that you’ll be a troublemaker. To your town, or your company or your government. Your “citizen score” would drop if you posted anything negative on social media — or if any of your friends posted anything negative. Your purchase... Read More

7 Ways to Improve Your Credit By Doing Nothing

Credit Score

7 Ways to Improve Your Credit By Doing Nothing

7 Ways to Improve Your Credit By Doing Nothing

If you have a bad credit score, you probably feel like you have to do something to make it better. File a dispute, apply for new credit, or even hire someone to help you repair your credit. Sometimes that’s true. But other times the best thing you can do is … nothing.    Call it... Read More

How Long Can Charge-Offs Hurt My Credit?

Credit Score

How Long Can Charge-Offs Hurt My Credit?

How Long Can Charge-Offs Hurt My Credit?

Most of us know that a late payment hurts our credit scores, and that paying on time is important to maintain good credit scores. But what happens when a debt is charged off and it keeps reporting negatively? Will it keep hurting your credit month in and month out? Our reader asks: I have an... Read More

Is Your Credit Score Good Enough to Get a Better Mortgage?

Mortgages

Is Your Credit Score Good Enough to Get a Better Mortgage?

Is Your Credit Score Good Enough to Get a Better Mortgage?

Credit is the biggest hot-button topic in mortgage lending by far. Most would probably agree, any time you can raise your credit score to improve your mortgage scenario, consider taking advantage of it. However, every situation is different and here’s what to be mindful of if your credit needs a little love. There are three loan... Read More

How Long Does It Really Take to Improve Your Credit?

Credit Score

How Long Does It Really Take to Improve Your Credit?

How Long Does It Really Take to Improve Your Credit?

I was recently looking through last year’s check registers for confirmation of a payment I had made when I noticed my handwriting on several pages looked odd. It took me a moment to realize why: at the time, my right hand was in a cast and I had been writing with my left. I remembered... Read More

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