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Understanding Bad Credit and Fixing your Credit Score

Understanding the credit score factors in bad credit and fixing your credit score before a loan can get you a better rate and save money We’ve all been there, either bad credit or no credit at all. There is a saying in the banking world that loans are for people that don’t need them. That’s […]

How I Fought Back from Credit Score Disaster

The six steps I used to add 140 points to my FICO score after a credit score disaster It was Bob Hope that said, “A bank is a place that will lend you money if you can prove you don’t need it.” If you’ve ever faced a credit score disaster like I did, you know […]

Find your Interest Rate by Credit Score: Get your Best Rate

Find your interest rate by credit score on peer loans and how to get better rates on the money you need I never thought much about credit and interest rates until I couldn’t get a loan. Getting a loan can feel like trying to get access to an exclusive club where a small group of […]

Do you Know how to Rank your Debt?

Knowing how to rank your debt can open up new opportunities and improve your credit score Debt is bad. Paying off your debt is good. That seems to be immutable rule in personal finances with blogs regularly publishing stories of how one couple pays down tens of thousands in just a few months. You don’t […]

Debt Free or Just Free of Bad Debt?

Whether your goal is being debt free or just free of bad debt, use the process below and commit to a better financial future for yourself and your loved ones. I read a shocking statistic the other day. While only about 27% of Americans carry credit card debt, more than half of lower-income households carry […]

21 Simple Steps to Fix a Bad Credit Score Fast

It can take years to fix a bad credit score but these steps can help you fix your credit score fast Miss a payment and now can’t get a loan because of your credit score? Are the only loans you get are on interest rates you can’t afford? I had the same problem five years […]