There are several factors that institutions looks into when a consumer applies for credit: your repayment history, your credit score, and your debt-to-income ratio. So how can you tell if your financial stats are desirable?
There’s nothing sexy about secured credit cards, but for many, they’ve become an essential part of building credit or getting back on firm financial ground. If you’ve had credit troubles in the past and are looking to rebuild, or you’re new to credit and looking to establish, a secured credit card may just be the option you’re looking for.
Credit scores are hugely important to your financial health. In fact, they’re so important that an entire industry exists just to monitor and report your credit score. So, what does that three-digit number really mean? In a nutshell, it tells lenders how responsible you are with managing debt and your money in general. If you
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Divorce is always painful, but what adds salt to the wound is paying on debt that your spouse acquired. After all, joint accounts are common in marriages, and after a divorce, all a creditor sees is that you agreed to repay the debt. The dissolution of your marriage does not negate that agreement. So, what
All the talk about what marriage is going to do to your credit score won’t necessarily have you rethinking your walk down the aisle, but it will have you wondering what’s going to happen after you’re both wearing rings. We’ve put together this helpful guide on how marriage affects credit ratings to separate fact from fiction.