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Is Settled in Full Good on Your Credit Report?

Debt settlement, in which you pay off a debt by paying less than you owe, will hurt your credit scores, but it’s better than not paying it at all. It’s worth exploring alternatives before seeking debt settlement. Debt settlement—negotiating forgiveness of a financial obligation in exchange for partial repayment—can ease financial burdens, but it will … Read more

What Credit Agency Does HSBC Use for Credit Checks?

When applying for a credit card, loan, or other financial products, lenders need to assess your creditworthiness. To do this, they will check your credit report from one or more of the three major credit bureaus – Equifax, Experian, and TransUnion. But different lenders use different bureaus, so which one does HSBC use? An Overview … Read more

Will My Credit Go Up If I Buy A Car?

If you’ve only had credit cards and are considering your first car loan, you may want to know how fast a car loan could build your FICO® credit score. So, does a car loan affect your credit score, and can a car loan build your credit? Keep reading to learn more about how car loans … Read more

How Old Does Your Credit Have to Be to Buy a House?

In most states the minimum age to buy a house is 18 years old, which is when individuals reach the age of majority and have full legal rights. However, when considering their readiness to buy a house, first-time homebuyers should weigh other factors besides their age, such as their financial preparedness and level of understanding … Read more

How Much Deposit Does a First Time Buyer Need?

“Expert verified” means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. Bankrate is always editorially independent. While we adhere to strict , this post may contain references to … Read more