If you want to get loans and credit cards with low interest rates, you need to have a good credit score. But what exactly is a “good” credit score? For example, do lenders think that a score of 723 is good? The short answer is yes, a credit score of 723 is generally considered good … Read more
One of the most important numbers in your financial life is your credit score. It tells lenders about your creditworthiness and can affect whether you get loans and credit cards. So, is 834 a good credit score in Canada? Let’s find out. Understanding Credit Scores in Canada In Canada, there are two main credit bureaus … Read more
Student loans can be a financial burden that impacts borrowers for years. But what happens to these loans when a borrower passes away? Can family members inherit student loan debt? The answer depends on the type of loan and other factors. In this comprehensive guide, we’ll explain how student loan debt is handled after death … Read more
Buying a home is an exciting milestone in life, but it comes with big financial commitments. One of the most important things to consider is what percentage of your income you can reasonably dedicate to your mortgage payments. This helps ensure homeownership remains affordable long-term. In this article, we’ll explore the common guidelines, key factors … Read more
Personal finance guru Dave Ramsey is well known for his strong opinions on getting out of debt and building wealth. One topic he has particularly clear views on is paying off your mortgage early. Ramsey firmly believes that eliminating your mortgage should be a top priority once you’ve taken care of some other key goals … Read more
More and more people are using tradelines as a quick way to raise their credit scores. But should you really buy tradelines? In this detailed guide, we’ll look at the pros, cons, legalities, and other options to give you a full picture. What are Tradelines? Any account that shows up on your credit report is … Read more
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