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How Credit Can Make or Break Your Life!

You already know your credit scores matter when you apply for a credit card, make a major purchase like a home or car, or apply for a loan. But did you know that your credit history can affect your chances of getting a job or an apartment? Here are 4 ways that your credit history … Read more

Is 645 a Good Credit Score to Buy a House?

For most conventional mortgages, lenders want you to have a credit score of at least 620. However, the minimum score varies by loan type. The minimum credit score needed to buy a house can range from 500 to 700, but will ultimately depend on the type of mortgage loan youre applying for and your lender. … Read more

Can You Get a Credit Card With a $100,000 Limit?

Having a high credit limit can be useful for big purchases emergencies and building your credit. But is it possible to get a credit card with a $100,000 limit? The short answer is yes, but it’s extremely rare and you’ll need exceptional finances to qualify. Let’s break down everything you need to know about obtaining … Read more

Do Banks Report Cashed Checks to the IRS?

A common way for people to get cash quickly and easily is to cash checks. But a lot of people aren’t sure if cashing checks leaves a paper trail that the IRS can see. So do banks report cashed checks to the IRS?. The short answer is – it depends on the amount. Banks are … Read more

Does Mortgage Pre-Approval Include Down Payment?

Before you start looking for a house, find out how much you can borrow and how to make the best offer on the one you choose. If you’re ready to make your dream of owning a home a reality, you’ve probably already heard that you should consider getting prequalified or preapproved for a mortgage. It’s … Read more

What is a Good Credit Score to Rent an Apartment?

If youre trying to figure out what credit score you need to rent an apartment, youre not alone. Renters are usually concerned about having a low credit score for renting. Moreover, as youll soon learn, credit scores for renters vary greatly by both location and building type. Here’s what you need to know about getting … Read more