Most people would agree that the presence of a bankruptcy or foreclosure on your credit file can have a serious negative effect. Where do you go and what do you do once the damage has been done? There is so much misleading information available about credit and credit scores on the Internet, from coworkers, from [...]

It can be hard starting out and not knowing exactly what you need to do to have a good credit file. Terms like credit report, credit score, APR, and finance charges can seem foreign and hard to understand. It can seem as if no one really knows how things exactly work in the credit world. [...]

There are many factors considered in your FICO scores. Many people incorrectly believe having no negative information means you’ll have a good credit score. That’s not the case at all! As a matter of fact, negative information only affects about 35% of your credit scores. Other factors considered are things such as your shopping for [...]

Having a good credit score starts with understanding how the credit industry works.  There are many players in the credit game who all have a stake in collecting or using your information. Here we’ll start by laying out the basic foundations of all credit knowledge.