So you’ve had some rough times in the past with your credit?  Don’t feel too bad, many of us have.  Whether it be an unexpected job loss, healthcare costs or unexpected expenses many of us …

Don’t apply for a lot of new credit at once – Making lots of credit applications in a short period of time will severely dent your rating. Every time you apply for credit, the potential …

Pay your bills on time – This is the single most important factor in determining your credit rating. Roughly 35% of your Fico score will be determined by your payment history, so any late payments, …

In 2004, the U.S. Congress ordered the three major credit bureaus – Experian, Equifax, and TransUnion – to craft a website to allow consumers to order their credit reports online for free, once per year.
Not …