Bella Mertz Buying a car, furniture, or appliance on credit card right before closing on a house loan will negatively affect your credit score and history, making it impossible for your application to be approved. Although you might want to use your credit card to make purchases in order to accrue reward points that can be exchanged … Read more
Understanding why mortgage rates vary by lender can help you select the right lender for your situation. It’s not uncommon for mortgage companies to offer lower rates to existing customers. This is often done as a way to keep customers happy and prevent them from refinancing with another lender. In some cases, it may also … Read more
Have you turned forty yet? If so, you’ve presumably settled into a groove in life and have hopefully saved up some cash. That makes it a great time to either buy your first home—or think about upsizing. And you’re not alone. Individuals between the ages of 2041 and 2055, also referred to as Generation X, … Read more
Your credit history lasts forever, but sometimes the type of credit you have doesn’t or shouldn’t. A closed account could be a delinquent account that was closed, a loan that you have paid off, or a college credit card that you decided you no longer needed. An account’s closure will remain on your credit history … Read more
Navigating the ever-changing landscape of mortgage rates can be tricky, especially for first-time homebuyers or those refinancing their existing loans. Understanding whether a particular rate is “good” requires considering various factors, including your credit score, down payment, current market conditions, and individual financial goals. Let’s delve into the specifics of a 2.75% mortgage interest rate … Read more
At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Heres an explanation for . Bankrate logo. Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve upheld this reputation for … Read more
It’s a good idea to consider debt settlement when you have debts that you are unable to repay in full. An offer to settle your account with your creditors for less than what you owe is known as a debt settlement. Here are some things to consider before offering a creditor or debt collector a … Read more
In the credit score range of 300 to 850, a score of 700 or higher is typically regarded as good. In the credit score range of 300 to 850, a score of 700 or higher is typically regarded as good. A score of 800 or above on the same range is considered to be excellent. … Read more
Sorry, we don’t currently offer loans in . You may be eligible for an offer through our partner brand, NetCredit. Get the Cash You Need with CashNetUSA’s Flexible Loan Options Payday loans, installment loans, and credit lines are just a few of the loan options that CashNetUSA provides to meet your needs, whether you’re dealing … Read more
In a nutshell, any negative information about your financial history, such as late payments or bankruptcy, may show up as a “derogatory mark” on your credit reports. There are a few ways to deal with it, even though it might remain there for years: challenge the mark if it’s incorrect, begin repairing your credit, or … Read more