Budgeting

Credit Score 0

What Factors Determine a Credit Score?

A credit report is the key factor that any lender, including credit card companies, mortgage brokers, car dealers and banks, will examine to determine whether to extend credit to a potential borrower. Credit reports...

Credit Reports Explained 0

Credit Reports Explained

There’s something mysterious about credit reports, credit scores and the way that this information is provided to consumers. No one knows exactly how credit scores are calculated because agencies use secret formulas. However, you...

Repair Credit Report 0

How to Repair a Credit Report

A negative credit history can have serious repercussions. Lenders may refuse to extend credit, but a bad credit report can also cause landlords to deny potential tenants and employers to reject applicants. The credit...