We all know that if you want to borrow money for a car loan, home loan or to obtain a credit card you need to have good credit. What some people do not realize is that your credit also impacts your ability to rent a home or apartment, the amount of deposit required to establish cell phone and utility services and whether or not you will qualify for certain employment opportunities.

It is possible for your credit report to have mistakes. These might range from a trivial item such as a misspelling in the personal information section, or something more serious such as a claim that an account was not settled.
Report your dispute to the credit reporting agency (CRA) in writing. List what information you believe [...]

Q: All my outstanding debt is paid off! Can you help me get it off of my credit report?
A: All items, positive and negative, stay on your credit report for 7 years. The good news is that these debts should now be showing as “paid” on your report. This should have a positive effect on [...]

Your credit score does a lot more than help you get a better interest rate – in today’s credit world it is becoming increasingly more important to be keep a good credit rating for basic things like employment, renting, and even insurance!
The main ingredients to the credit score include the Payment History, Amounts Owed, the [...]