
Have you tried applying for credit, but you are declined even though you don’t have any outstanding debt? That may be because your credit file is too thin! The world of credit may be a bit too complicated to understand without the help of credit co...
Read More ›Having a lot of unpaid transactions and credit card debt is debilitating to your credit score, but so is a thin credit file. Having a thin credit file means you haven’t had enough credit history that you can’t even generate a credit score! So how...
Read More ›Here are some guidelines that can help you if you are unfamiliar with how to build credit. Six Months If you’re a first-timer or someone who has not had credit lines in six months, you will need at least half a year before you can get your thre...
Read More ›It is a no-brainer that those with high credit scores have better chances of getting loans or having their credit card applications approved. But not having a borrowing history may also pull down your credit scores. Whatever the case, even if you are...
Read More ›Poor credit can make it harder for you to get an apartment, a mortgage, or simply a credit card. This may also put you on a hook for higher interest rates, which of course, can make the loans and credit lines that you have more expensive to repay. Wh...
Read More ›Let’s talk about debt. More importantly, how to best pay off your debt. To make a dent in your debt, you need to pay more than just the minimum balance each month. It’s easy to adopt an “I’ll worry about it later” mindset when swiping your ...
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