October 2020

First, there are three basic categories of information included in a credit report. These are: Basic Personal Information: This is pretty self-explanatory. Included in your credit report are your full name, date of birth, current address, social security number, and employment information. Collection and Accounts: This is the information most people think of when discussing a credit […]

If you are struggling with big debt, you most likely are focusing on the financial consequences of your predicament. According to Credit Sesame’s 2016 proprietary data, those who have lower credit scores and more debt are less likely to log in to their accounts than those with higher credit card scores or less debt. The research also

Watch our short video to learn what to consider when choosing how much to put down.

Going to grad school. Buying a home to call your own. Landing a dream job. These are major milestones that many of us have on our #lifegoals list, but they also have something else in common: You’d probably have a much easier time accomplishing them with good credit. After all, you’re more likely to nab

Your credit report paints a picture of your financial history by detailing your experience with credit cards, loans, and other financial vehicles. Your credit score is a number that comes from the information in your credit report. Three different credit scores are available through Experian, Equifax, and Trans Union. Combined, they make up your FICO

Checking your credit reports on an annual basis can be a great idea. A study done by the Federal Trade Commission found that 25% of all consumers have an error on their credit report that negatively impacts their credit score. There’s a good chance that your reports have one or more errors. The study also

The first step to improving your credit score is to obtain a current copy of your credit report. Once you have something to work from, you’ll know where you stand and you can take action to improve your credit and raise your score. There are many systems and companies out there that’ll advertise a “free”

Your credit score not only determines whether or not you can get a credit card, mortgage, or auto loan, it’s also a critical factor in determining the interest rate you have attached to those items. A low credit score can cost a lot of money over your lifetime. Not everyone is aware of the many

Having “good” credit sounds like something you don’t really need to be concerned with until you’re ready to pony up a down payment on a home or need a second car to accommodate your growing family (hello, minivan!). But the truth is, your credit can help determine whether you can even get a mortgage or