Many people are uncertain about what may happen to their credit when they get married and what can happen to their credit if they get divorced. For example, it is commonly believed that your credit report merges with your spouse’s credit report when you get married. Is that really true? And what happens to your credit when you get divorced?
Regardless of your financial goals, an extra income stream can always come in handy. If you are trying to build better credit, the funds you bring in from a side hustle could help you transform your credit score situation.
With so many Americans unemployed and struggling financially, it’s more important than ever to go into the holiday season with a smart strategy to keep your finances intact. Here are some tips on how to make it through the holiday season without going overboard on spending, hurting your credit, and derailing your financial goals.
Depending on your situation, a frugal outlook could translate into a useful tool for building credit. Let’s explore how you can potentially increase your credit score with an assist from your frugal tendencies.
Building credit can be a challenge, particularly for those who have never had credit before. Fortunately, becoming an authorized user on a credit card can provide a pathway to credit-building for many consumers.
Balance transfers can be a valuable tool for helping consumers get out of credit card debt without being crushed by interest charges. On the other hand, if you’re not careful, they can leave you worse off than you were before. Read this article to find out everything you need to know about balance transfers and how to decide if a balance transfer is right for you.
Relocating to a new country is an exciting time as the start of a new chapter. One major challenge for those relocating to the United States is the necessity of building a credit score from scratch. Let’s explore how you can build credit after moving to the United States.
Credit scores impact our lives in more ways than you might think, yet, unfortunately, they are complex and can be difficult to understand. In this article, we’ll clear up what credit scores are, why they matter, how to build credit, and how to improve your credit score.
Those able to skirt around the financial pitfalls of debt may wonder how this financial success will impact your credit score. Let’s explore whether or not avoiding debt will hurt your credit score, plus strategies you can implement to build credit while avoiding debt.
There is no denying that going through a divorce is a challenging and stressful time. On top of the emotional cost, there are financial costs that often tag along with divorce. One of the many ways that a divorce can impact your finances is by negatively impacting your credit score.
Credit, as related to personal finance, refers to someone's ability to pay lenders back. Many years ago, bankers and individual lenders were forced to gauge a prospective borrower's credit subjectively—they had no metrics or statistics to turn to in making such judgments.
When you file for bankruptcy, it’s usually because you have no other option for your finances. Although it might be the right choice for your situation, the decision to file for bankruptcy will have a negative impact on your credit.
If you’ve ever looked into repairing your credit, you may have seen credit repair businesses advertising “609 dispute letters” as a way to remove negative information on your credit report. What is the idea behind this strategy, and do 609 dispute letters work?
Establishing tradelines is an essential part of credit. Because credit is a necessary part of modern life for most people, you need to know why tradelines matter, the best ways to establish tradelines, tradeline factors to consider, and how to tell which tradelines to avoid and which are a good fit for you.
When a recession is on the horizon, it’s time to prepare your finances for the potential storm ahead. Although a recession can batter personal finances across the country, it’s possible to protect your financial situation and credit score with a bit of preparation.
A CPN might sound like a good solution if you have had trouble with your credit and want to “start fresh.” However, CPNs are not what they are marketed to be. Learn the truth about CPNs and why you should avoid them.
As a member of the military, you face tough challenges on a regular basis. The tenacity and perseverance you build during your career can translate into other aspects of your life. One place to channel your energy is into building a great credit score.
A good credit score is a key to accessing financing options on major purchases. Building credit can be easier said than done. One popular way of building credit is to use a credit card. But that’s not the only option.
Credit scores are essential to American life. While there are many promises to get you a better credit score quickly, some are scams you should avoid. Instead, follow our tips to legitimately raise your credit score.
Anytime one of your bills heads to collections, that’s bad news for your credit score. But depending on your situation, it may be possible to have the medical collection removed from your credit report. Keep reading if you want to eliminate this bad spot from your credit report.
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