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What is a good credit score?

What is a good credit score? FICO credit scores range from 300-850, and the ranges lenders use to judge scores goes roughly as follows:Exceptional: 800-85021% of AmericansVery Good: 740-79925% of AmericansGood: 670-73921% of AmericansFair: 580-66917% of A

Jun 26, 2021 |

What do use a credit score for?

What do use a credit score for? Having a good credit score can give you great advantages when trying to obtain loans and save you a lot of money over time, but there are many different reasons a good credit score is beneficial. The first and most obvious

Jun 25, 2021 |

Why should I start building credit soon?

Why should I start building credit soon?As mentioned earlier in the breakdown of how credit is calculated, 15% of your credit score is determined by the length of your credit history. Starting to build credit as soon as possible, even if you are not curre

Jun 24, 2021 |

What exactly happens when a mortgage lender checks my credit?

What exactly happens when a mortgage lender checks my credit?According to the Consumer Financial Protection Bureau (CFPB) A mortgage inquiry has a small, but negative impact on your credit score. You can shop around and have multiple inquiries for 45 days

Jun 24, 2021 |

How do I begin to build credit, even if I have no credit card or income?

How do I begin to build credit, even if I have no credit card or income? It is very difficult to be approved for a credit card, let alone one with favorable rates and benefits, without any previous use of credit. There are solutions, though, for students

Jun 23, 2021 |

Do you think you should refinance?

Do you think you should refinance?  But you are not sure if it will be worth the money, time or effort.  We can help you understand all of the reasons to refinance and reasons not to refinance without investing too much time.Send an email and attach a rec

Jun 22, 2021 |