Getting a mortgage after being late on a few payments in the past year depends on a lot of things, like the lender’s requirements, how bad your late payments were, and how good your credit history is overall. Some recent late payments won’t hurt your credit score, so you might still be able to get … Read more
Numerous websites claim there is a magic 11 word phrase to stop debt collectors from collecting debts. That is false. The notion of an 11 word phrase to stop debt collectors is pretty much an Internet myth. It was created and perpetuated by individuals and marketing companies to sell advertisements and books. The truth is … Read more
If your credit score is 734, you are right in the middle. At the end of 2021, Experian said that the average American consumer had a FICO Score of 714. A score between 670 and 739 is usually thought to be good. Most lenders consider an 734 credit score to be an average credit score … Read more
Credit scores are three-digit numbers designed to represent how likely you are to repay a lender on time. Credit scores are one thing that potential lenders and creditors look at when they decide if they want to give you new credit. Lenders may also use your credit scores to set the interest rates and other … Read more
Hey there folks! Ever wondered how businesses get their hands on some serious dough when banks slam the door in their face? Or how investors are makin’ a killing outside the stock market? Well, lemme introduce ya to somethin’ pretty slick—private debt. If you’re scratchin’ your head thinkin’ “What the heck is that?” don’t worry. … Read more
Imagine if you took a test, and then your grade on that test followed you around for years. Â Youâre applying for an apartment, and your landlord looks at your grade. You almost have that great job offer in hand, but first, your new boss has to check your results. Before you can get approved … Read more
Taking out a mortgage is likely to lower your credit score, at least in the short term. How much your score drops depends on various factors, including credit history, but a new LendingTree study suggests getting a mortgage doesn’t significantly impact your credit score. Specifically, the study shows credit scores are unlikely to fall by … Read more
You should try to spend no more than 10% of your monthly take-home pay on your car payment, but you may have some room for error. The products shown on this page are mostly or entirely from our advertising partners. They pay us when you click on one of their links and then do something … Read more
“Expert verified” means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. The Review Board is made up of financial experts whose job it is to make sure that all of our content is fair and unbiased. Bankrate is always editorially independent. While we adhere to strict , this post may … Read more
The City of San Antonio needs you to sign up if you run a credit access business, which is what Section 393 says you are. 601 of the Texas Finance Code and operating in the City of San Antonio. These companies help people get payday loans or car title loans, which are types of consumer … Read more