Credit Score

What’s the Difference between the Credit Score and the FICO Score?

4. April 2011

Technically there is no difference between the credit score and the FICO score. There is, however, a difference between the credit report and the FICO score. The credit report is the detailed account of the consumer’s credit activities like their payment history, how they use their credit, inquiries on their credit, their current credits, collections, [...]

Are there any banks that give mortgage loans to people with bad credit?

25. May 2010

6 Comments

I am looking to buy my first home. My goal is to get to a 620 credit score but I know this will take quite some time. I was wondering if there are banks out there that give you loans to buy a home if you have bad credit or if there are programs out [...]

I need help to get my finances in order. I Have bad credit history and need to fix it. Help!?

20. May 2010

4 Comments

I am full time employed, now earning good money and only two teens left at home. I have little debt however have destroyed my credit rating over the years. Is there any organization or anyone that help me, educate me on day to day financial matters, I would love to buy property for my family….

Lexington Law

9. May 2010

0 Comments

I am just going to repost some useful information about one of our sponsors. Lexington Law is a fine nationwide Law Firm. They specialize in trying to improve your credit report manly by deleting information. They will give you a free quote. They may not be cheapest but they are reliable and a good alternative [...]

What steps do I take to fix my bad credit?

8. May 2010

5 Comments

I am 22 years old. My mother opened two credit cards in my name when I was 18. I have already paid the balance on one of the cards. The other is still on my credit report with a 00 balance. I have a medical bill on my report for over 00 from when I [...]

How do I fix a credit problem on my ex-husband’s credit that was my fault?

5. May 2010

6 Comments

My ex-husband and I have a credit card together and he is the primary card holder and I am an authorized user. I have used this card only the past couple of years and had been current on payments until 4 months ago. I had lost my job and really behind on most of my [...]

What does my credit score need to be to get competitive mortgage and auto loan rates?

17. January 2010

3 Comments

Is there a magic number? Is it 650? 750? What should I use as my benchmark for being ready to apply for financing? I’ve done a lot to repair my formerly blemished credit history and would like to know when I should feel confident again.