What is a Good Credit Score?

Excellent Credit Score

With 56% of Americans having poor or bad credit, good credit can be hard to come by… But what is a good credit score exactly? Different lenders may have different definitions of what a “good” credit score is. One lender may approve clients with a 640 credit score or higher while another might approve clients […]

What Makes Up Your Credit Score?

woman-question

Why do we have credit scores? What makes up your credit score? Did you know 56% of Americans have bad credit? Credit scores were implemented to determine the creditworthiness of a borrower. The higher the credit score, the more likely the consumer will pay his or her bills on time. While the most important piece […]

Bad Credit Will Control Your Life

burning money

How your credit looks can affect the way you live your life. Having bad credit can destroy you financially and be the difference between spending and saving some serious dough each month. A prime example of this would be an auto loan. Cars are necessities. Bad credit will cause you to pay thousands extra on […]

Game of Loans – A Guide to Defeating Student Loan Interest

loans FB

Interest is Coming…. In the hit HBO series Game of Thrones, royal families prepare to go to war against each other in a quest for power. Recent college graduates are about to go to war as well…. war with student loan interest. Maybe you’ve been out of college for some time now and are currently […]

The Steps to Good Credit – Credit’s Do’s and Don’ts

Excellent Credit score BQ blog

The Dos and Don’ts to Good Credit Your credit score is the most important number in your life. It can determine whether or not you will be owning a new home, driving the car of your dreams, or even securing that new job you just had an interview for. Having a good credit score can […]

Paying Off Old Collections

Paying Collections

Can Paying off Old Collections hurt you? The short answer is… Yes. Paying off those old collections seems like a great idea, your credit score may decline if you pay a collection that is older than 2 years. When you pay off a collection that has been lingering on the report for some time, the […]

Huge Credit Report Overhaul: Medical Debt to Weigh Less

Medical Debt

It will be announced today that the 3 credit reporting agencies (CRAs) will be making some serious changes to the way they report your credit. After long meetings between the New York Attorney General’s office and the CRAs, decisions have been made to change the reporting of medical collections and the process of consumer disputing. […]

6 Steps to Handle Identity Theft

ID-theft

You’ve seen numerous web pages and blogs about what you can do to prevent your Identity from being stolen, but what are the steps you can take if you are already a victim of identity theft? Approximately 15 million US residents have their identities stolen each year. Stats like this make identity theft the fastest […]

How to Stop Collection Harassment

Stop-Collection-harassment

Stop those pesky collections from interrupting your life! There’s nothing more annoying than coming home after a long day of work only to be bothered by pesky collection companies. They call your home, your relatives, and workplace. They flood your mailbox with their notices. This kind of treatment can leave you drained and stressed. Often […]

New Years Resolution: Get Out of Credit Card Debt

images

It’s a new year and that means everyone is off to an inspiring start on their new years resolutions. You may already have your plan in effect to lose weight, get fit, and aim for that new promotion, but what are you doing about the pile of debt you racked up over the holidays? It’s […]