Our credit scores play an important part in our financial futures. Credit scores determine if we get the financing we need as well as at what cost that financing will be to us. Credit scores also help to determine out insurance premiums and can even affect our chances of getting certain types of employment. It […]

Today we are more dependent on our credit scores than we realize. This magic number quite often is the deciding factor in if we can buy a house, car or get that all important student loan. The higher the credit score the better off your are financially in terms of getting loans. Those with low […]

Lending someone money always involves a risk. If a friend asked you for money you would likely say yes or no based on the likelihood of ever getting the money back. Financial institutions work in much the same way. They look at someone’s income and credit score to help determine the risk factor. We all […]

In today’s world, it is tough to survive without credit. Essential purchases such as houses and cars are quite difficult to obtain without some financial assistance. A poor credit history can hurt one’s chances of getting these items. Many are under the impression that paying your bills on time is all that you need to […]