What Credit Bureau Does Discover Report To? Uncovering The Facts Have you ever applied for a Discover card and wondered which credit bureau they checked? A lot of people don’t know which credit bureau Discover checks and how they use that information to decide who to lend money to. In this detailed guide, I’ll show … Read more
Rebuilding your credit score after it has taken a hit can feel like an uphill battle. Many consumers wonder, just how long does it take to rebuild your credit? The truth is, there is no one-size-fits-all timeframe when it comes to credit score repair. The length of time it takes to rebuild your credit depends … Read more
Getting an FHA loan to buy your dream home can be an exciting prospect. But before you start house hunting it’s important to understand what credit score you need to qualify. In this comprehensive guide, we’ll explain everything you need to know about credit scores and FHA loans. What is an FHA Loan? An FHA … Read more
If you refinance your mortgage, you may be able to get a lower interest rate and lower your monthly payments. But did you know that you may also be able to get an escrow refund? This is the extra money that will be in your escrow account after the refinance closes. In this detailed guide, … Read more
For most people, owning a $5 million house is a far-fetched dream. However, with the right financial planning and discipline, it is possible to afford such an extravagant home. Here are some tips on how you can realistically work towards buying a $5 million house. Calculate Your Target Income As a general guideline, you should … Read more
Using a credit card to pay your bills is easy and can help you earn rewards. But you need to be careful, because some bill payments may be seen by card issuers as cash advances. Most cash advances have high fees and interest rates, so you should try to avoid them if you can. Here, … Read more
It’s likely that most people don’t want to get their credit score to zero. However, some people may wonder if they can get rid of all of their credit history and start over brand new. It’s not possible to have a credit score of zero, that’s the short answer. This is why, and here are … Read more
Are Visa Gift Cards Traceable? Everything You Need to Know Have you ever wondered if that Visa gift card you received or purchased can be traced back to you? With gift cards being a popular gift choice and payment method, it’s an important question many consumers have. In this comprehensive guide, we’ll dive into all … Read more
To keep your credit score high, you need to make your mortgage payment on time every month. However, things come up, and sometimes you may need to pay your mortgage a few days after the due date. Most mortgage lenders give you a grace period if you are late with your payment, which is good … Read more
It’s likely that buying a house will be one of the most expensive things you ever do. There are also good reasons to have doubts about the process, especially when it comes to the money involved. “Do I need money in my bank account to buy a house?” is a question that many first-time homebuyers … Read more