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What You Need To Know About Credit Score and Reports

There are many things that affect your credit score. And it’s not always just the negative items such as collections and charge offs. Not having enough positive trade times has a huge impact on your score as well. Look at a 18 year old for example. If you were to pull their credit, the scores will be low but at the same time they have no negative items. This is because they haven’t established credit yet. Well, even as an adult, your report may not have enough credit established.
Fix Credit vs Bankruptcy

Sometimes you are just too far with medical debt and more. However, bankruptcy should be a last resort

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Late Payments Crush Your Score

How much a late payment will impact your score? Just one and it can drop your score by 40 points plus

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Medical Bills and Collections

Medical collections are some of the hardest to work with. Setup a payment plan with doctor before it is a collection

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Higher Score = Save Money

Higher credit scores will get you better rates on loans and insurance. A higher score will save you thousands a year

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Some Interesting Facts About Credit

Your credit score is one of the most important things in your life. You can’t buy a home, car or get a loan without. So many Americans now have bad credit.
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Bad Credit Americans
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Average Fico Score
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Average Interest Rate for Bad Credit

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Your Credit Report Advice Blog

Dropbox Hack Gives Up 65 Million User Passwords on the Internet

Dropbox Hack Gives Up 65 Million User Passwords on the Internet

Popular cloud storage firm Dropbox has been hacked, with over 68m users’ email addresses and passwords leaking on to the internet. The attack took place...

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Experian hack exposes 15 million people’s personal information

Experian hack exposes 15 million people’s personal information

Hack of one of the largest data brokers and credit agencies in the world, Experian,  affects T-Mobile USA users who applied for credit checks, company...

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What is the Average Credit Score?

What is the Average Credit Score?

If you’re wondering what the average credit score is, you’re probably really wondering how your credit score compares to others. You may also be...

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