Credit reports are usually very confusing to read! Our guide is the only one on the internet that breaks it down step-by-step. Thus making it easier for you to understand your credit report and use it to your advantage.  Each Credit Bureau’s Report Is Different At first glance, comparing your credit reports from the three

An 800+ credit score. We would all want to be that one guy in our social circle who is known for being in this elite club. But apart from bragging rights (which, let’s face it, is quite cool), an 800+ score has tangible financial and non-financial benefits. Good thing? It is always within reach. If

If you have recently looked at your credit report and found that your credit score is less than excellent you may be wondering what DIY credit repair you can do yourself.  One of the first things you are going to want to look at is tradelines. Tradelines that report positive information are an integral part

This article is part of our series about financial literacy. You can find the links to the other articles at the bottom of the article. Simply put, a personal balance sheet is a document that keeps track of everything that you possess (assets) and every debt that you owe (liabilities). With this personal financial statement,

Homeownership is a necessity for stability, independence, and generational wealth. The problem? Not everyone may have all the recommended items in place to make homeownership a reality.  In order to buy a home, you have to have income, good credit, and a down payment. You can buy a house with any two of these, but

A home represents a large financial purchase for U.S. consumers. Last year, the national median home sales price was roughly $386,000. Based on the price, most consumers must finance a home purchase through a mortgage loan. Those with bad credit might struggle to qualify for a mortgage or face less favorable loan terms. Yet, those

The process of building good credit is the same whether you have bad credit, new credit, or are starting from scratch. We can all start learning how to build credit at 18, or even sooner. The difference with bad credit is that you must get rid of negative items on your credit report in addition