What if someone asks you to co-sign?
What if someone asks you to co-sign? Auto Loans by John Ulzheimer Share Share Email When family or friends ask to borrow money, they’ve placed you in a very difficult and almost unfair situation. You want to help your relative so they can qualify for student loan, car loan or credit card. The person can […]
What You Need to Know About Your Credit Cards Before Traveling Abroad
What You Need to Know About Your Credit Cards Before Traveling Abroad Credit Cards by David B. Coulter Share Share Email There are few things more frustrating than discovering that you don’t have access to your funds while traveling abroad. Finding yourself without money in a foreign land, where few people speak English, can be annoying, […]
What is a Fair Credit Score Range?
What is a Fair Credit Score Range? Credit for Beginners by David B. Coulter Share Share Email What is a Credit Score? A credit score is a number between 300 and 850 that shows how reliable you are at paying back money you’ve borrowed, which is based on your credit history. Credit scores act as […]
What is a Mortgage Credit Report? How is it Different Than a Regular Credit Report?
What is a Mortgage Credit Report? How is it Different Than a Regular Credit Report? Credit Report by John Ulzheimer Share Share Email When you apply for a mortgage the lender or broker does not pull a normal credit report, like what would be pulled by an auto lender or credit card issuer. Instead they […]
What Could Happen
What Could Happen Credit Cards by David B. Coulter Share Share Email A Road Less Traveled One topic that people usually do not enjoy discussing or even thinking about is insurance, especially life insurance. If you are single or a young couple with no children, you might not need to worry about this expense as […]
What Are Account “Ratings” on my credit reports?
What Are Account “Ratings” on my credit reports? Auto Loans by John Ulzheimer Share Share Email Have you ever seen an actual raw credit report? Meaning, a credit report that has been produced directly from a credit reporting agency for the purposes of lending and not a credit report cosmetically changed for consumer consumption. If […]
What Happens to My Credit When I Move Outside The United States?
What Happens to My Credit When I Move Outside The United States? Auto Loans by John Ulzheimer Share Share Email “John, my husband has taken a new job overseas and I think we’ll be there for at least 3 years. We’re both 32 years and have about 10 years of credit experience under our belts. […]
A Brokerage Account vs. an IRA: What to Know
A Brokerage Account vs. an IRA: What to Know Credit for Beginners by David B. Coulter Share Share Email While they both hold financial assets, a brokerage account and an IRA (Individual Retirement Account) are two different types of accounts. The main difference between the two is that an IRA is an account used for […]
What is the impact of a credit dispute on my credit reports?
What is the impact of a credit dispute on my credit reports? Credit Cards by John Ulzheimer Share Share Email When you get a copy of your credit report you should review it for accuracy. If you find any errors on your credit reports you should contact the credit bureaus and dispute the information. The […]
What Can I Do if My Credit File Is Mixed With Someone Else’s?
What Can I Do if My Credit File Is Mixed With Someone Else’s? Credit for Beginners by David B. Coulter Share Share Email Some mixes are legendarily good: peanut butter and jelly, cream cheese and bagels, rain sounds and sleeping in. Other mixes are a little less “Hey, I love Neapolitan ice cream!” and a […]