Everything You Need To Know About Credit Scores

a couple sitting making financial decisions for the new year

Stuck on Financial Resolution? 3 Financial New Year Goals 2024

January is a time for goal-setting, and in personal finance, the ultimate financial goal is achieving fiscal freedom. Set the tone for a successful financial 2024 year by maintaining a budget, tracking progress, and sticking to your financial resolutions. Three key financial goals to consider are raising your credit score, establishing and building an emergency…

Holiday shopping tips and tricks

Holiday Shopping Tips and Best Practices

It’s that time of year again! The 2023 holiday season is upon us, which means gathering with friends and family, special community events, holiday traditions, and lots of shopping. Ultimately, the holiday season can be a time of happiness, joy, or heightened stress. Overall, it is up to you to determine which one it will…

students working on improving their credit score after student loans

How to Improve Your Credit Score with Student Loan Debt

To achieve financial success, having a good credit score is essential. This can be hard to achieve when you’re in the middle of paying back your student loans. With payments set to resume for the rest of America in October of 2023, it is of the utmost importance to understand how your Student Loan Payment…

build your credit score from scratch

5 Ways to Build Your Credit Score from Scratch

Ready to secure your financial future? Discover five tried-and-true methods to build excellent credit even with minimal credit history as a young adult. Boost Your Score has gathered insights from credible financial organizations to help you pave the way to financial success. To get your credit score into tip-top shape, we’ll discuss five methods to do so.…

factors that affect credit scores

Understanding The 5 Key Factors That Affect Your Credit Score

Financial health encompasses a person’s financial decisions, including purchases, debt, investments, and assets, with credit score being just one aspect. Understanding your credit score/ credit report is crucial for achieving financial health. To optimize your credit score, focus on five key factors: Credit Score Factors That Affect Your Credit Payment History – consistent debt repayment.…

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What Is a Secured Credit Card and How Can It Help Me Build Credit?

Establishing and building your credit can be tricky, especially if you don’t have a lengthy credit history or if you have a bad credit score. If you’ve never had a credit card, traditional credit card companies might deny your application due to your status as a borrower with no proven history of on-time payments. Fortunately,…

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Easy Guide to Credit-Builder Loans and How They Actually Help

Getting approval for a loan with a bad credit score is like applying for your first job. Employers don’t want to hire someone with no experience, but you can’t gain work experience if no one hires you. You might encounter the same roadblock when trying to apply for a loan or credit card with a…

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Top 10 Credit Score Myths – Busted!

It’s time to put your knowledge to the test: How much do you know about credit scores? This little three-digit number may seem unassuming, but it has a massive impact on your financial wellness. In reality, bad credit causes many economic challenges, hindering your ability to qualify for a home mortgage, get a car loan,…

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Here Is How To Dispute Errors on Your Credit Report, Simplified!

Do you know how to dispute credit report errors? Suppose you’ve checked your credit report and noticed false or incorrect items. In that case, it’s your right under federal law to request the removal of those inaccuracies, known as disputing. You should file a dispute immediately after discovering errors on your credit report. Negative items…

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Should You Really Attempt to Improve Credit With a Credit Card?

Good credit is essential to getting approval for personal loans, mortgages, and car loans. While taking out a loan with a poor credit score is possible, it will often have a very high interest rate to make up for the potential risk a low credit-score borrower represents. This can add thousands of dollars to the…