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.

Quick tips that can help you manage your credit effectively so you have the credit you need when looking for employment, purchasing a home or simply want to make sure you qualify for the best rates for any loan.

Having trouble keeping up with your student loan payments? Lower payments or no payments at all may be a phone call away. Read this press release from the U.S. Department of Education to find out how you may qualify for program.

Your credit score has become extremely important these days and seems to follow you everywhere. If you score seems low and you want to work on improving it here are some tips:

Review your credit report for any errors and correct glitches that may not be accurate (but are still hurting your current score).
Manage your bills [...]

A credit score is a complex mathematical model that evaluates many types of information in a credit file to help lenders estimate the risk they incur by lending someone money or providing them with a service like. Lenders use the credit score to determine whether a person qualifies for a loan, credit card or service [...]

By Becky House, ACC
Last year Fair Isaac and Company (FICO) released a “new” credit scoring model. The new score is now available through TransUnion and was created to provide lenders a better tool with which to make lending decisions.
Lenders use credit scores to evaluate the probability that a person will repay their debt responsibly [...]

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 [...]