Factors That Lower Your Credit Score
Many people know ways to increase their credit score, but what factors actually lower your credit score?
1) Accounts that have been open less than three years. Having long term credit accounts that you consistently pay on time is an important indicator of stability. As your credit history ages, your score should increase.
2) Anytime your credit [...]
Ways to ACTUALLY Check Your Credit Score for Free
It’s ok to admit it. Most of us have been tricked by ads on the internet, radio, and tv about being able to check our credit scores/reports for free. There is an old adage that says nothing in life is free, while that is true for the most part, there are actually ways [...]
How A Spouse Affects Credit Scores
A common question for many people is if a spouse’s accounts or credit score is factored into yours. Credit bureaus don’t maintain joint files or credit scores for spouses. However, accounts in which a person and their spouse are listed as an authorized individuals will be listed on credit reports. Also, credit [...]
Easy Trick to Getting a Better Mortgage
Buying a home is a big deal and everyone deserves to get the best interest rate possible. One of a few factors in determining what your interest rate will be, is your credit score. The best thing anyone can do for themselves is to have their credit score as high as possible, the [...]