Use Credit Unions to Rebuild Your Credit

In the interest of good financial practice, it is important for all consumers to do everything they can to keep their credit score in a positive light. Credit scores do not just dictate whether or not you can get a loan. Industries of all kinds are now relying on credit scores to make decisions about […]

What is Debt to Credit Ratio and How Does it Affect My Credit Score

What is Debt to Credit Ratio? In simple terms, debt to credit ratio is the amount you owe on a card to the credit limit on that card. For example, if you have a credit card with a $10,000 dollar limit and what you owe on that card is $5,000, you have a debt ratio […]

What is Debt Settlement and How Does It Work?

If you are feeling overwhelmed by your debts and find it increasingly difficult to meet your monthly financial obligations, you face some difficult financial choices. One option that many people consider but wish to avoid in filing bankruptcy. Because of bankruptcy’s impact on a credit score and subsequent credit history plus the cost of filing, […]