What is bad credit and how does it affect you? Bad credit is a credit history in which you have negative factors on your credit report. There are three credit bureaus in the United States which handle most of the inquiries by lenders. These companies are Experian, Transunion, and Equifax. 
Each of them is working for lenders and with [...]

 Top 5 Ways To Avoid Foreclosure:  You Can Save Your Home

To avoid foreclosure, one of the most important considerations is your determination and persistence.  Since a home is often the largest investment that people will make during their lifetime, there is little doubt you’ll want to do whatever you can do to hold onto that [...]

Bankruptcy Prevention:  Do It Now And Avoid Losing It All.
Bankruptcy prevention may save you.  It is estimated that nearly 70 percent of people who file bankruptcy feel as if it has destroyed their financial future. 
For those that it helped, it still make the next years of their life difficult.  The bankruptcy remains on your [...]

Lenders assign you a credit score any time you apply for credit. This is there way of them determining whether you are a likely candidate to give credit to, or not.
The credit score is a 3 digit number, typically in the range of 300 to 850. At the low end 300 means you have very [...]