April 25, 2018

Payment history 35%: Is a snapshot of your ability to pay back money you borrowed on time. Payment history allows credit issuers to see how financially responsible you are and if you have a positive or negative payment history. This is the single largest factor affecti...

March 25, 2018

What is an authorized user and how does adding one effect my credit score? An authorized user is someone who is authorized to use a credit card by the primary account holder, but not responsible for repayment. The primary account holder can add an authorized user to th...

February 25, 2018

How to build credit?

You’ve recently applied for credit and were denied. What’s next? Well now it is time to build your credit. There are several ways to build credit for people who don’t have not yet established a credit score. First things first, after you obtain your...

January 25, 2018

     In terms of personal credit “The Big 3“ relates to the three credit bureaus which include; Equifax, Experian, and Transunion. These institutions are the primary source of credit reporting information used to determine your credit worthiness or ability to be approv...

December 25, 2017

What is an authorized user and how does adding one effect my credit score? An authorized user is someone who is authorized to use a credit card by the primary

November 25, 2017

     There are several ways to build credit for people who have not yet established a credit score. First things first, after you obtain your report it is essential to read over your entire credit report for accuracy. For instance, do you see any late payments, derogat...

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