Building good credit when you’re just starting out doesn’t have to be a worry. All you need is a little patience along with some good strategies and before you know it, your credit history will be strong. So far in parts one and two, we covered the advantages of getting a cosigner, becoming an authorized…

In part one of “How to Build Credit When You’re Just Starting Out”, you could see how getting a cosigner or becoming an authorized user will help you to establish favorable credit history.  In part two, you’ll see how techniques such as diversifying debt will help to really improve your credit report. #1 – Diversify…

If you’re new to the world of credit, then you probably know it isn’t easy to establish good credit. Getting lenders to trust you can be a challenge as they want proof that you’re trustworthy. It’s really a catch-22 because how can you prove that you’re trustworthy if you’ve never had a chance to show…

Who knew that getting hired for a new position could all come down to your credit history? It’s true. In several states, it’s perfectly legal for employers to pull your credit history during the hiring process. In their opinion, it determines your level of trustworthiness for the position they’d possibly be hiring you for. …

In the US, many employers have the right to look over your credit report before hiring you. Some say it’s justified for “trust” purposes. Others say it’s unfair to minorities or to those who are low income. The good news is there are some states where employers are prohibited from using your credit score against…

It’s important to know that there are different places to pull your credit score from. It’s up to the lender which one they use, but the one most largely used is the FICO score. Keep note that different places offer credit scores. This is important when you’re pulling your credit score either from a paid…

It’s pretty common knowledge that your credit score will affect your ability to get a loan, but there are some everyday living factors that your credit score can affect too.  For instance: Insurance rates: Believe it or not, the amount of insurance you pay can be directly tied to your credit score. Great score equals…