Hey there fam! If you’re staring at your credit report and seeing some ugly marks draggin’ down your score I feel ya. Those negative items—like late payments or collections—can haunt you for what feels like forever. But wait, do you really gotta wait the full 7 years for them to vanish? That’s the big question, … Read more
Hey there, folks! Ever found yourself in a tight spot, needin’ some fast cash to cover a bill or an unexpected car repair? If you’ve been pokin’ around for quick loan options, you might’ve stumbled across Advance Financial. But what exactly is this company? What type of business is Advance Financial, and why’s it got … Read more
Hey everyone! If you work in commercial real estate, you’ve probably heard of an SNDA. Who “orders” this complicated document, you ask? Well, I’m here to explain, without using too much legalese. Just plain English. If you’re a tenant, landlord, or lender and want to know who has control over an SNDA (Subordination, Non-Disturbance, and … Read more
Your credit score is only three numbers, but they can have a big effect on your money. Your credit score is calculated based on information in your credit report that is put through a credit scoring model. Consumer credit scores help a lender predict how likely it is you’ll pay your bills on time. This … Read more
This content may include information about products, features, and/or services that SoFi does not provide and is intended to be educational in nature. Your credit card closing date marks the end of your billing cycle, which determines how much you’ll owe when your credit card payment comes due. On the other hand, you need to … Read more
Actions that can lower your credit score include late or missed payments, high credit utilization, too many applications for credit and more. Having good credit can make it easier to get loans and credit cards, but it takes work to keep your credit in good shape, just like staying physically fit. Here are 11 actions … Read more
When it comes to understanding your credit report and score, you may have heard of Equifax, Experian, and TransUnion. These three big credit bureaus, which are also called credit reference agencies or just credit agencies, are very important when it comes to giving you credit information and keeping track of it. It is also one … Read more
Loans can be hard to get, especially if you don’t have any credit history and don’t have anyone to cosign for you. You can still get a loan, though, even if you have bad credit or none at all. We will show you step-by-step how to get a loan even if you have bad credit … Read more
Your credit score is one of the most important numbers in your financial life. It gives lenders an idea of how risky it is to lend money to you. The higher your score, the better interest rates and loan terms you can qualify for. That’s why it’s so important to understand your true credit score … Read more
Buying a house is an exciting milestone in life. However, it also requires careful financial planning. Many homebuyers wonder if they can qualify for a mortgage with only one year of income. The answer is yes, it is possible in certain situations. How Lenders Evaluate Income Lenders want to see proof of steady income over … Read more