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Understanding how credit works can be tricky. One good example? Credit inquiries.   What Is a Hard Inquiry? A hard inquiry occurs when an individual applies for any type of credit.  So why should you be concerned about a hard inquiry? This type of credit report check will lower your credit...

A Little Planning Can Save You Money and Keep Your Credit Score High

When entering the world of credit for the first time, new borrowers tend to make some common mistakes that can be easily avoided. Some mistakes cost you money, others hurt your credit score, but most...

Changing careers can make getting approved for credit more difficult. Be prepared!

Borrowers who are transitioning careers may find that it’s more difficult to get credit unless they plan for the “in-between” phase. That phase can take the form of moving from college to a new career, making...

Last month we covered the pros and cons to filing bankruptcy. For those who have filed bankruptcy in the past (or recently) it’s good to know what it takes to get approved for a new mortgage loan.   The first thing potential loan applicants should know is that the answer...