Debt Relief Articles
What Is A Good Credit Score To Buy A Car? (And How To Improve Yours)
Updated Nov 08, 2023By Minh Tong
With a higher credit score, you have a better chance of getting approved for an auto loan and also getting a lower interest rate. However, this may not always be the case as there are...
Read MoreWhat Is A Charge-Off And How Does It Affect Your Credit Score?
Updated Nov 01, 2023By Melissa Cook
A 'Charge-Off' can also refer to the action of writing off a bad debt by a company for accounting purposes. This essentially means that the creditor has given up on collecting the debt from...
Read MoreWhat is Debt to Income Ratio: Formula & How It’s Used
Updated Oct 12, 2022By Aaron Sarentino
Debt to income ratio is a financial term used to describe the percentage of an individual's monthly income that goes towards paying debts. This figure provides creditors with an indication of an individual's ability...
Read MoreHow Often Is Your Credit Score and Credit Report Updated?
Updated Aug 12, 2022By Aaron Sarentino
Lenders use your credit score to determine your creditworthiness. It is essentially a grade that tells them how likely you are to pay them back in full and on time. This grade will influence...
Read More5 Ways to Increase Your Credit Score After Finishing A Debt Relief Program
Updated Aug 01, 2022By Aaron Sarentino
Improving your credit score after finishing a debt relief program can be intimidating, but the process becomes easier when you break it down into smaller steps. Read on for 5 ways to increase your...
Read MoreAverage Credit Score by State: How Does Yours Stack Up?
Updated Jul 12, 2022By Aaron Sarentino
As part of their annual study, Experian surveyed today’s consumer credit behaviors ― including how credit scores compare among the 50 states.
Read MoreThe Anatomy of a Credit Score – Understanding the Complicated Credit Scoring System
Updated Jun 07, 2022By Aaron Sarentino
Credit scores are so misunderstood and generally regarded as a de facto measurement of borrowing strength. Also, many consumers misguidedly assume that credit scores include income, assets, or net worth in their calculations. We...
Read MoreHow to Maintain a Clean Credit Score
Updated Jan 27, 2022By Aaron Sarentino
Almost every US citizen knows their Social Security number by heart, even if it’s a meaningless series of digits, but too few of us know our credit scores. Your credit score has a profound...
Read MoreCredit Reports, Credit Scores and Credit Transactions
Updated Apr 09, 2020By Aaron Sarentino
When you apply for a credit card, a personal loan, or insurance, a file about you is created. This file, known as your “credit report,” is maintained by credit reporting companies. Your report will...
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