Credit Utilization Ratio and Your Credit Cards

What is a Credit Utilization Ratio? When it comes to your credit score, we all know that things like your account and payment history are factored in. However there is one important component that most people aren’t even aware of – your “credit utilization ratio”. In a nutshell, it is the percentage of available credit which you […]

Job Loss and Bad Credit – Related?

Unfortunately, many employers put stock in the faulty idea that bad credit is synonymous with bad morals. You know this is a ridiculous belief, but many leaders in the corporate world accept it as doctrine. It is not unheard of in these economic times for employers to perform credit checks on their staff, claiming that […]

Simple Credit Repair Guide

If you have just been turned down by a lender for any kind of loan because of your credit profile, you are probably wondering what to do next.