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What Are the Real Ramifications Of Bad Credit?

The high unemployment rate and foreclosure crisis are serving to hurt the credit scores of millions of Americans. Your credit score is a guage of how lenders view you as a credit risk, and traditionally bad credit was akin to the scarlet letter as illustrated by Nathaniel Hawthorne. However, with so many Americans suffering foreclosures [...]

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How Credit Scores Are Made

Most people have become more cautious with credit recently, but there are some important uses for borrowing, and the deal you get depends on your credit score. To avoid surprises, it is important to know what factors make up credit scores and how heavily each one is weighed. History of Paying On Time (35%). The [...]

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