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 [...]

 What Is Foreclosure: Is It  An American Dream Taken Away?

Foreclosure is perhaps the opposite effect of the American dream.  That dream of owning a home, with a white picket fence is one that millions of people have. 
Over time, more people were able to qualify for the home loan that allowed them to get it.  [...]