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credit-monitoring
Some people think that credit monitoring services are only necessary for those with particularly troubled credit history, but that’s not the case at all. In fact, it’s just as important to use a credit monitoring service in order to maintain a pristine credit rating as it is to improve a […]

Why You Should Be Using a Credit Monitoring Service


utilization
One of the first steps I recommend when repairing credit is to pay down any credit accounts where the balance is more than 25% of the account’s credit limit. If you’re not sure what balances are being reported on your credit report, I suggest you get an up-to-date copy of […]

Utilization: Maintaining The Right Credit Balance to Limit Ratio


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If you have attending college in the past 10 years, it’s likely you keenly remember receiving about 20 pre-approval credit card offers your first semester. And gauging by the numerous emails I receive daily on the subject of credit card debt due to college, it’s likely you applied and received […]

How College Students Are Taught Personal Finance by Credit Card ...





creditrepair
Credit repair removes information that shouldn’t be on your credit reports so it will stop dragging down your credit scores. However, it can’t remove negative marks if the information is accurate, timely and verifiable. You can hire a credit-repair service — for as much as $100 a month — to handle these tasks. But everything a service […]

Should You Pay for Credit Repair?



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Young Americans are having trouble with their finances. According to a surveyconducted by NerdWallet, Millennials (consumers ages 18 to 34) are in need of a budgeting and credit refresher course. The survey states, “Millennials have the lowest average credit score — 28.1% have scores below 579 — and the shortest […]

10 Mistakes Millennials Make With Credit Cards



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One of the main reasons that people worry about their credit scores comes down to their ability to get a mortgage loan when it is time to buy a house. Obviously, that’s a major life milestone that people don’t want to see pushed back, so they want to try to […]

How to Fix Your Credit for a Mortgage Loan