credit
Debt Consolidation Loans & Bad Credit
If you have bad credit, you may feel like you are out of options when consolidating your debt. However, this is not the case! There are several ways that you can consolidate your debt, even if you have a low credit score. In fact, Debt consolidation is one of the methods we discuss in our…
Read MoreCredit Rebuilding Basics, Part 5 — Fine-tuning and Monitoring
If you have already taken the appropriate action steps to rebuild your credit, you should be well on your way to a higher credit score. Now it’s time to fine-tune and build on what you have already accomplished.
Read MoreCredit Rebuilding Basics, Part 4 — Rebuilding Your Credit
We’ve also provided a blueprint for how you can repair your credit before rebuilding your credit. Now for the exciting stuff—rebuilding your credit score!
Read MoreCredit Rebuilding Basics, Part 3 — Reviewing and Repairing Your Credit Report
To repair your credit, you must first find out what your credit report is saying—that’s the starting point.
Read MoreCredit Rebuilding Basics, Part 2 — How Is Your Credit Score Calculated?
Once you know how the Credit Score system works, the steps required to repair and rebuild your credit will make more sense.
Read MoreWill My Personal Bankruptcy Affect My Spouse?
When you file a personal bankruptcy it does not directly affect your spouse or reflect on their credit report. Your personal bankruptcy is between you and your creditors. Your spouse is not liable for your debts simply because he/she is your spouse. However, your personal bankruptcy can have an impact on the other person in certain ways.
Read MoreGood Debt vs. Bad Debt
Good debt is for purchases that appreciate in value or significantly improve your quality of life. Bad debts on the other hand typically do not provide you with any long-term benefit. If you carry a heavy amount of bad debt and are only able to make minimum payments then it’s time to look for help.
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