I am frequently asked what the best thing is a person can do to improve their credit score. First you need clear understanding of what affects the scores.
Now, I won’t waste time on payment history and paying your bills on time. Those are obvious. I will cover the few that people just don’t realize have [...]

Popularity: 2% [?]

 
Considering how hard it is for even people with good credit to qualify for financing there have been a multitude of people offering to add trade lines to your credit. Does this really have an impact on your credit score? What are the pitfalls?
You have seen the Craigslist ads stating that they can get you [...]

Popularity: 3% [?]

If you are trying to refinance to take advantage of the low rates available in the current market you will need nearly pristine credit. FHA raised their guidelines and borrowers are having trouble meeting the requirements.
One answer is to get the credit profile into shape prior to applying for financing. This can be done easily [...]

Popularity: 6% [?]

Shouldn’t the filing of a BK cause an automatic stay on any funds in your account?
Yes, the automatic stay will prohibit a levy by a judgment creditor.
However, certain banks and financial institutions such as credit unions have “set off” rights under state law, which means that they CAN put an “administrative hold” on any bank [...]

Popularity: 6% [?]