Will Low Scores Lock You Out of Home Buying?

If you’re ready to be a homeowner but worried your credit scores won’t get you in the door, don’t! There are a lot of loan programs to help first-time buyers – and those with less-than-stellar credit.

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Credit Scores and Home Improvement Financing

Homeownership can be both a blessing and a curse. In honor of National Homeownership Month in June, we wanted to shine a light on home improvement financing to help improve your quality of life.

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Get Your Credit Scores Move-In Ready

Knowing where you stand with all three credit bureaus before you start house hunting is key. If your credit scores aren’t “move-in ready,” getting them in shape will help you get a lower interest rate – and afford you more home.

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Last-Minute Holiday Shopping Can Drop Your Credit Scores Long-Term

For many last-minute holiday shoppers, the magic of the gift-giving season can quickly morph into long-term credit score misery.

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Mortgage Payment History and Home Equity Loans

If you are thinking of applying for a home equity loan, make sure you understand how your payment history on your current mortgage and your overall credit history will affect your chances of qualifying and the interest rate deals that lenders will offer you.

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Secured Credit Cards: A Path to Better Scores

Simply going out and getting a secured credit card “has little or no effect” on your credit reports and credit scores. It’s how you repay your secured card debt that makes all the difference. With responsible use, you can establish a positive credit history and build your credit scores.

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Pros and Cons: New Home vs. Existing Home

You want to buy a home, but you have not yet made that all-important decision: New home or existing home? Whatever the decision, having good credit scores will likely help you negotiate a better deal on your mortgage.

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Balance Transfer Credit Cards and Your Scores

Balance transfer credit cards that offer lower or zero percent interest rates can be a smart way to reduce monthly payments and consolidate debt. Here are a few questions and answers that can help you determine if it is something you should consider. 

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Six Tips to Keep Your Credit Card Balances Low

Credit cards can be a powerful financial tool. When used wisely, they can help you establish a credit history and improve your credit scores. However, keeping your credit card balances in check is an important piece of the credit puzzle.

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Choosing the Rewards Credit Card Right for You

It is difficult to put rewards programs into categories because the cards come in so many different forms. However, there are a few general, popular types of cards out there: cash-back, travel rewards and points-earning cards.

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Understanding the Different Types of Mortgage Lenders

If you are thinking about moving, you may want to review your financing options and the mortgage lender before scouring the real estate listings. Different types of mortgage lenders offer distinct advantages.

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Debit Cards vs. Credit Cards – The Credit Score Impact

Deciding whether to swipe your debit or credit card at checkout should be about more than which card happens to be at the front of your wallet.

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