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The DTI is the percentage of our income that goes toward paying our monthly debts. These ratios can often be overlooked as many people assume that a good credit score and income are the only two elements taken into consideration when seeking to purchase a home, car, or even to open a credit card. However, for many lenders, a good report and credit score are not enough to be considered a suitable candidate.
It is always a good time to check your credit report, but which free source should you choose? Here is a list and some things to look for before you provide your personal information.
Many creditors are offering ways to avoid making payments during the COVID-19 pandemic, but is that the best for your finances? There are options for staying on top of bills during this time and avoid jeopardizing your future.
This blog provides five key steps to take when dealing with a financial crisis.
With the new changes to the FICO credit score, reducing the amount of debt owed will be crucial to a credit score. Here are just a few options for eliminating debt and improving credit scores.
A quick look at the new FICO score along with the other credit scores such as Vantage, that are available to consumers.
Credit counseling organizations can advise you on your money and debts, help you with a budget, offer money management workshops and much more.
Sometimes people assume you need to make huge extra payments in order to pay off debt quicker. The reality is that making small increases in payments, can go a long way in knocking out debt sooner!
A quick glimpse into one client's journey out of debt.
It’s easy to get caught in the trap of making the minimum payment on your credit card. Usually, this payment is manageable, and it staves off late charges for at least another month. However, minimum payments don’t prevent interest from compiling on the balance you’re carrying.
Call us at (888) 864-8548
and your counselor will review your credit report, analyze your financial situation and help you find the option that's best for you.
