Hey there, friend! Ever wondered if paying your bills early could give your credit score a sweet lil’ boost? I mean, who doesn’t wanna see those numbers climb, right? Well, lemme spill the beans upfront: paying bills early can help your credit score, but it ain’t a direct ticket to the top. It works mostly … Read more
Ellie Mae, a leading mortgage software company, says that the average time it takes for homebuyers in the US to close on their loans is 47 days (as of February 2019). This is true for all loan types. In general, purchase loans take longer to close than refinance loans by an average of 12 days. … Read more
Hey there friend! If you’re about to get a call or letter from a debt collector, I feel your pain. That feeling of hopelessness in your gut as you try to figure out how to get out of this mess is rough. But lemme tell ya straight up you got options. Debt cancellation is a … Read more
You have the right to dispute errors on your credit report. Fixing an error generally means contacting both the credit reporting company and the company that provided the information. If you suspect that the error on your report is a result of identity theft, visit IdentityTheft. gov , the federal government’s one-stop resource to help … Read more
If you knowingly report inaccurate data on a credit application, you’re committing fraud. And while a credit card issuer might not immediately request verification, legally its possible. Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this … Read more
Whether youâre establishing or building your credit, applying for a credit card can be a big decision. The first step is finding a card that meets your needs. And if it comes with helpful benefits, that can be even better. Hey, friends! Have you ever wondered what the big deal is with platinum credit cards? … Read more
Hey there, friend! Have you ever thought about what would happen if you put an extra $300 a month toward your mortgage? Oh, boy, it would make a huge difference. You’ll pay off your loan much faster, save a lot of money on interest, and own your home outright a lot sooner than you thought. … Read more
Companies use your FICO® Score, which is a type of credit score that usually ranges from 300 to 850, to decide if they want to lend you money. Your FICO® Scores can impact your eligibility and offers when you apply for a loan or credit card and affect other areas of your life, like your … Read more
Not all credit inquiries impact your credit score, but some do. What makes a difference is whether the credit check is soft or hard, which is based on who does it and why. Read on to learn more about soft vs. hard credit checks, along with examples of when each type is run. Then get … Read more
Join us at Gerald and experience a new way to shop for your recurring and essential household needs. Disclaimer: Activation of cash advances requires a portion to be used for buy now, pay later purchases at Geralds store, Cornerstore. Cash advances have no transfer fees, subscription costs, interest, or down payments. When financial emergencies arise, … Read more
