Credit Pulls: Hard Inquiries vs. Soft Inquiries
Here, we explain the difference between soft inquiries, which have virtually no effect on your credit score, and hard inquiries, which can negatively affect your score.
Here, we explain the difference between soft inquiries, which have virtually no effect on your credit score, and hard inquiries, which can negatively affect your score.
Defaulting on a student loan can be a major financial impediment in the short-term future, but it doesn’t have to ruin your financial outlook for good. Below, we provide are a few simple steps you can take to get back on track and recover your credit score in a matter of months.
Maybe you are considering bankruptcy as a strategy for getting out of debt. However, before making any life-altering decisions, it’s important that you carefully explore all of your options. In this article, we give you a basic guide to filing for bankruptcy in Illinois.
Maybe you are considering bankruptcy as a strategy for getting out of debt. However, before making any life-altering decisions, it’s important that you carefully explore all of your options. In this article, we give you a basic guide to filing for bankruptcy in Hawaii.
Maybe you are considering bankruptcy as a strategy for getting out of debt. However, before making any life-altering decisions, it’s important that you carefully explore all of your options.
Sooner or later, we’re all bound to face a financial setback: a job loss, a medical emergency or car problems can each force us to reach into our personal savings, or, worse, go into debt just so we can keep going about our daily business. […]
Out of the many impacts that come with unpaid medical bills, damage to your credit score is one of the most consequential. Technically, a medical bill can not be included in your credit report, but once your account remains unresolved after 180 days, the owner of the debt–typically, a hospital or a doctor’s office–can sell the outstanding amount to a debt collector. At that point, the debt collector can (and probably will) report your debt as delinquent to all three credit agencies, thereby harming your credit score.
If you’ve noticed something awry in your credit report, there’s a lot you can do to take action and fix the problem. A well-composed credit dispute, first and foremost, should help you get back on your feet in no time.
Money isn’t always a laughing matter, but there are so many jokes out there that can give anyone reason to chuckle about their finances. Here, we’ve put together a list of the funniest jokes about money so that you can have fun while saving up.
If you’re in the process of paying off a credit card debt but feel like your interest rate is too high, you have the option of negotiating your Annual Percentage Rate (APR) with your credit issuer. When you feel ready to talk to your credit card company, dial the customer service number on the back of your credit card, then choose the options that will route you to speak with a representative. When the representative picks up, here are some tips that can help you negotiate.