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It’s easy when you’re young to just not worry about credit. It’s some made up number created by ghostly corporations that have little to do with you. You shouldn't ever really feel like you have to grow up, but creating and maintaining an excellent credit score is definitely one of the “grown-up” things that should be taken seriously. Why you may ask?  Because if you ever want to accomplish that most kingly of tasks, owning your own home, then your credit gets relevant in a hurry. There are two big questions regarding mortgages: 1: What credit score do I need to qualify for a…

Navigating what makes a great credit score can sometimes feel like being on the ocean during a storm. There’s a lot of people willing to give you advice and not a lot of solid information to draw from. The companies that produce the FICO score are very secretive about how exactly they calculate your scores, but they are upfront about certain things, one of them being credit utilization, or more accurately, debt-to-credit utilization. I NEED TO BUY A TRADELINE, BUT I’M NOT SURE WHAT TO DO WITH IT It is widely known that there are three types of credit: mortgage,…

Financial times have been hard. Record numbers of people have had credit problems including bankruptcy. Most people have issues trying to rebuild credit after having financial issues. The number one question people have when trying to recover from bad financial issues is how to improve credit rating scores. There are a number of simple steps that people can take to improve credit scores, without hiring outside agencies. There are five simple steps to help improve credit rating scores. I NEED TO BUY A TRADELINE, BUT I’M NOT SURE WHAT TO DO WITH IT Get Caught Up with Consolidations People often…