If you’re dealing with a poor credit score, you may be tempted to tackle the problem on your own. However, credit repair can be a complex and time-consuming process. There are many pitfalls to avoid and factors to consider. In this blog post, we’ll explore the pros and cons of DIY credit repair versus hiring …
Credit Repair: DIY vs. Hiring a Professional – Why Repair Zap is the Better Choice Read More »
Buying a home is an exciting milestone, but the process of getting a mortgage can be daunting. In this guide, we’ll cover the basics of getting a mortgage so you can feel confident and prepared as you embark on your home-buying journey. Step 1: Understand the Mortgage Process Before you start shopping for homes, it’s …
Mortgage 101: What You Need to Know Before You Buy Read More »
Credit scores are one of the most important factors when it comes to your financial health. They can impact your ability to get approved for loans, credit cards, and even housing or employment. In this guide, we’ll cover the basics of credit scores, including what they are, how they’re calculated, and how you can improve …
Debt-to-income ratio, or DTI, is a financial measure that compares your monthly debt payments to your monthly income. It is used by lenders, landlords, and other organizations to assess your creditworthiness and determine whether or not to extend you credit or approve you for certain products or services. Your DTI is calculated by dividing your …
When it comes to credit inquiries, there are two main types: hard inquiries and soft inquiries. Understanding the difference between the two can help you better understand how credit inquiries can impact your credit score. A hard inquiry, also known as a hard pull, is a request for your credit report by a lender or …
Here are seven simple steps that you can take to improve your credit score across the three credit bureaus:
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