How I Got My Credit Score to 847

Credit 101

How I Got My Credit Score to 847

How I Got My Credit Score to 847

Before I had a credit card — before I even knew what a credit card was — I knew credit card debt was something to be avoided at all costs. I hadn’t yet graduated from banking of the piggy variety, and my mom already had me thinking about debt. She used my childhood curiosity as… Read More

Is Your Car Loan Too Expensive?

Auto Loans

Is Your Car Loan Too Expensive?

Is Your Car Loan Too Expensive?

As the U.S. economy recovers from the recession, many lenders have eased financing standards, resulting in an increase in loans available to consumers with poor credit. The earliest and strongest recovery came in the auto market, and while a bump in subprime used-car lending has triggered some murmuring of a bubble, it appears to be… Read More

Is My Credit Card Hurting My Credit?

Credit Cards

Is My Credit Card Hurting My Credit?

Is My Credit Card Hurting My Credit?

Having excellent credit has never been more important than it is right now. Credit history is used to decide applications for apartment rentals, home mortgages, car loans and new credit cards. It even can be used to set insurance rates and be checked as part of a pre-employment background check. Because it’s so important to… Read More

What Happens If I Stop Paying My Mortgage?

Mortgages

What Happens If I Stop Paying My Mortgage?

What Happens If I Stop Paying My Mortgage?

Homeowners who stop paying their mortgage do so for a host of reasons. Lives and financial circumstances change. Job loss or relocation might put consumers in a bind. Housing values can plummet, leaving homeowners owing far more than the property is worth. About 6% of all mortgage loans were at least one payment behind at… Read More

How Some Divorced Parents Hurt Their Credit

Credit Score

How Some Divorced Parents Hurt Their Credit

How Some Divorced Parents Hurt Their Credit

When parents fall behind on their child support payments, they may be surprised to learn those delinquent payments can appear on their credit reports. What does that mean for their credit scores? A Credit.com reader asks: I recently pulled my reports and was shocked to see the State of MO is listing my child support… Read More

How to Tell If You Have a Credit Score

Credit 101

How to Tell If You Have a Credit Score

How to Tell If You Have a Credit Score

It’s a question I get asked more often than you might think: How can I tell if I have a credit score? It’s a basic question, but it’s about a pretty complex topic. It’s not always so easy to understand your credit and how much it can affect our lives these days. So with that… Read More

The American Dream: Is It Within Your Reach?

Managing Debt

The American Dream: Is It Within Your Reach?

The American Dream: Is It Within Your Reach?

What’s your vision of the American Dream and what are you doing to achieve it? In the new 2014 Credit.com American Dream Survey, we found that most are optimistic about their prospects for achieving their version of the American Dream, but some groups are definitely more confident than others. The majority of those surveyed chose one… Read More

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