June 14, 2018 Shawn Lane Consumer Credit Expert Basic credit common sense tells you that paying your bills on time is essential to maintaining a good credit rating. What you may not realize, however, is that your payment history is only one component of good credit. Payment history absolutely matters, but keeping your payments on time alone is not enough …
How a Good Credit Score Can Improve Your Life
March 21, 2018 Shawn Lane Consumer Credit Expert There is no sugar-coating the fact that life can become a lot more complicated whenever you are faced with credit problems. Sure, you can get by with bad credit and low credit scores, but living like that can be expensive, not to mention stressful. On the other hand, when you work hard …
5 Things You Can Do to Increase Your Credit Score
January 3, 2018 Shawn Lane Consumer Credit Expert Struggling with the effects of bad credit can be very stressful. When you have credit problems, there is no question that life often becomes more difficult. With bad credit it can be tough to purchase a home, secure reliable transportation, and qualify for a credit card. In fact, bad credit can even …
Buying a Home With Less Than Perfect Credit
October 16, 2017 Shawn Lane Consumer Credit Expert Is your goal to purchase a home in the near future? If so, there is a checklist of qualification standards you are going to need to meet before a lender will approve your mortgage application. Among other requirements, this checklist includes proof of steady employment and income, acceptable debt-to-income ratios (can you …
Does Credit Repair Work?
August 11, 2017 Shawn Lane Consumer Credit Expert Unless you have been living on a deserted island for the last few decades, you have probably heard the term “credit repair” at least once or twice. If you are facing credit problems of your own, you may even find yourself wondering if professional credit repair services might be able to help …
Getting Your Credit in Shape to Buy a Home
June 8, 2017 Shawn Lane Consumer Credit Expert Dreaming about buying the perfect home? If so, then you may have already picked out your favorite neighborhoods and floor plans. You might have imagined exactly how you will decorate each room in your new home or you may have plans for a beautiful outdoor retreat in your back yard. However, if …
Credit Scores and How They are Calculated
June 9, 2016 Shawn Lane Consumer Credit Expert In today’s world, it seems we are all defined by a 3-digit number, our credit score! If we have a high credit score, life is easier. We’re able to qualify for lower interest rates, higher borrowing limits, lower insurance premiums, better quality rental properties, and even the American dream of home ownership! …
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