Debt Relief Articles
Why Is My Credit Score Different On Different Websites?
Updated Feb 21, 2024By Melissa Cook
When it comes to the representation of your financial health and lendability, few things are as crucial as your credit score. It’s a key factor in determining your ability to obtain...
Read MoreHow To Rebuild Your Credit Score By Following These Simple Steps
Updated Feb 14, 2024By Aaron Sarentino
Having a strong credit score is vital for securing a sound financial future. This score is used by lenders to evaluate your dependability as a borrower and to determine the terms of...
Read MoreThe Difference Between A Soft And Hard Credit Inquiry
Updated Jan 25, 2024By Minh Tong
Whether you realize it or not, your credit report is being assessed all the time, by your landlord, utility companies or your employer. But don't worry; certain types of inquiries will not...
Read MoreDoes Filing For Unemployment Affect Your Credit Score? (The Truth Revealed)
Updated Jan 25, 2024By Melissa Cook
Simply put, filing for unemployment doesn't directly impact your credit score, nor does it show on your credit report. However, some trickle-down effects can indirectly affect your...
Read MoreHow Does A Late Payment Affect Your Credit Score?
Updated Jan 11, 2024By Melissa Cook
Most people don’t know this, but even if you have otherwise spotless credit, a payment that's more than 30 days past due can knock as many as 100 points off your credit score and...
Read MoreHow Long Does Negative Information Stay On Your Credit Report?
Updated Jan 08, 2024By Aaron Sarentino
Understanding how long negative information stays on your credit report and how it influences your credit score can help you make better decisions, especially if you need to rebuild...
Read MoreWhat 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...
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