The Ultimate Bootcamp for Homebuyers

Mortgages

The Ultimate Bootcamp for Homebuyers

The Ultimate Bootcamp for Homebuyers

Becoming a homeowner is more than a big decision — it’s a journey. And just like you wouldn’t leave for a trip without making sure you’ve packed all your bags, you shouldn’t embark on the road to homeownership without preparing for the possible twists and turns ahead. If you’re looking to purchase a home in the… Read More

The Most Important Dates on Your Credit Report

Credit Score

The Most Important Dates on Your Credit Report

The Most Important Dates on Your Credit Report

If you’ve reviewed your credit reports recently you’ve no doubt seen many dates — many, many dates. Some are more important than others. And some are absolutely critical. A Credit.com reader asks: What’s the difference between Date Opened, Date Reported, Date of Last Payment, etc.? There are two reasons why dates on your credit reports… Read More

Do All Credit Checks Hurt My Credit?

Credit Score

Do All Credit Checks Hurt My Credit?

Do All Credit Checks Hurt My Credit?

If you check your credit scores regularly — and experts recommend you do — it can be a little scary to hear that credit inquiries can damage your credit. That’s a little like telling someone who is trying to improve their physical health that stepping up on the scale carries health risks. (And that’s not just because… Read More

5 Signs You’re Abusing Your Credit

Credit Score

5 Signs You’re Abusing Your Credit

5 Signs You’re Abusing Your Credit

Using credit cards to pay for just about anything has become the norm these days. It’s easy to get out your credit card to buy now and pay later, but this convenience has turned into a habit for many Americans. If this sounds like you, you might be a credit abuser. Here are some red… Read More

When’s the Right Time to Pull My Credit Reports?

Credit 101

When’s the Right Time to Pull My Credit Reports?

When’s the Right Time to Pull My Credit Reports?

A close friend recently asked me for advice about reviewing her credit reports and credit scores. A few years ago, when she got a mortgage, her scores were very good — in the 800s — but she has since had a run-in with a department store card that she fears may have had a negative impact on her credit. So… Read More

7 Credit Score Myths That Will Still Surprise You

Credit Score

7 Credit Score Myths That Will Still Surprise You

7 Credit Score Myths That Will Still Surprise You

Surprise! Consumers are still confused about what goes into a credit report and a credit score. Given how opaque these things were for such a long time, it’s entirely predictable that confusion reigns. It’ll be that way for a while. Credit bureau TransUnion recently released a survey with more proof that the mythology built up… Read More

Is Your Mortgage Going to Hurt Your Credit?

Mortgages

Is Your Mortgage Going to Hurt Your Credit?

Is Your Mortgage Going to Hurt Your Credit?

There’s a misconception that applying for a mortgage causes your credit score to drop each time, but that’s not actually the case. The sole act of having your credit report pulled when submitting a loan application does not instantly cause a reduction in your credit score, but it will impact you eventually. Here’s the deal… Read More

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