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Having a credit score of 671 can feel like you’re stuck in credit score purgatory – not quite bad but not quite good either. So is a 671 credit score actually good? The short answer is no. While a score of 671 is fair, it falls short of what most lenders consider a good credit … Read more

The four C’s of credit are the four main things that lenders look at when they decide whether to give you a loan. If you know and understand these things, you can improve your chances of getting credit and get better loan terms. The four C’s are: Capacity Capacity refers to your ability to repay … Read more

When you have multiple debts deciding which ones to tackle first can be confusing. Should you focus on paying down your newer debts or older ones? There are pros and cons to both approaches. Here is an in-depth look at whether it is better to pay off old debt or new debt first. The Case … Read more

The FICO score is one of the most widely used credit scores in the United States. There are actually multiple versions of the FICO score, each tailored for different types of lending. FICO Score 2 is specifically designed for mortgage lending. As you go through the home buying process, it’s important to understand how this … Read more

When you’re having trouble with money and trying to change your home loan, it can feel like you’re always waiting. You’ve gathered all the necessary documents and sent in your application. Now you’re anxiously checking your email every day to see “how long does it take for a loan modification to be approved?” Different times … Read more

One of the most important financial decisions most people make is getting a mortgage to buy a house. And the down payment is often the biggest problem, especially for people who are buying their first home. That’s where FHA loans can help They only require a 35% down payment if you have a credit score … Read more

Leasing a car with a 665 credit score is possible, but it may require some extra strategizing and flexibility. While there is no official minimum credit score requirement for leasing a vehicle, most lenders prefer scores of 680 or higher. This is because a good credit score indicates you are likely to make timely payments … Read more

Having a criminal record can make getting credit more challenging. However, it is still possible to get loans and credit cards even with a conviction in your past. In this article, we’ll explain how a criminal record affects your credit, steps you can take to improve your chances, and alternative options for accessing credit if … Read more

If you want to get loans and credit cards at the best rates, you need to have a good credit score. When you check your credit and see a big difference between your scores from TransUnion and Equifax, sometimes as much as 100 points or more, it can be scary and puzzle you. Don’t panic … Read more