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Why Did My Credit Score Drop?

Views: 208

Why Did My Credit Score Drop?! Many people are shocked to find out that their credit score suddenly dropped without warning. Unable to find a reason why their spending habits would hurt their score,  they often will go on forums asking something along the lines of, “Does anyone know why did my credit score drop? I didn’t do anything to get penalized!” Truth be told, most...

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The Minimum Credit Score Needed To Buy A Home Is...

Views: 1451

What Is The Minimum Credit Score For A Home Loan?   Getting a home is part of the classic American dream, but for many people, it’s a dream that can be very hard to achieve. While it’s always possible to buy a house with bad credit by paying cash, it’s not always feasible with peoples’ incomes. So, for most people, there will need to be a home loan involved. Though...

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When 680 Is A Good Credit Score...And When It Is Not

Views: 16653

Is 680 A Good Credit Score? At ScoreCure, people often ask us, “Is 680 a good credit score?” In the grand spectrum of credit scores, which can range from as low as 300 to over 800, a 680 seems like it’s smack-dab in the middle of the road. It seems like, on first glance, that a 680 is a good credit score. However, it can vary, depending on what you are trying to do....

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Improving Credit Score After A Default

Views: 1669

When we take out loans, we generally don’t assume that we aren’t going to be able to pay it back. Unfortunately, these things do happen – and they can happen a lot more frequently than you’d think. After you default on a loan, credit scores associated with your name will drop significantly. Improving your credit score after a default may seem impossible when you see the...

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How Hard Is It To Get An American Express Card?

Views: 146649

Amex has always had its core group of fans. Partly due to the fact that the American Express name has a bit of prestige to it, and partly due to the credit card company’s perks, American Express cards are popular. For many people who are trying to establish good credit, an Amex card may seem like the perfect way to enjoy a credit card while also building credit. So, how hard is it to get an...

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Improving Credit Score After A Bankruptcy

Views: 377

  Bankruptcy is brutal – absolutely brutal. In many cases, it ends up with a person being unable to stay in their own home, watching one’s car get repossessed, and becoming a stigmatized individual. It’s a last resort that no one ever plans to choose, but when people do deal with it, it’s something that has long-reaching consequences.   Obviously, one of the...

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How Does Divorce Affect Credit Scores?

Views: 177

  Divorcing your spouse isn’t something anyone plans to do on the day that they get married. When a divorce happens, it’s already heartbreaking enough. You might not want to have to think about your credit while divvying up all your items, but the truth is that many people do get concerned about what a major breakup can do to your credit.   There is some good news and...

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Credit Scores And Student Loans

Views: 179

As high school grads begin to toss their caps and don their gowns, many have one thing on their mind: college. College loans are now becoming one of the most common forms of debt in America. Despite their popularity, many people don’t really know what goes into the decision of granting a student a loan.   Many college students, particularly those who just graduated high school,...

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Can Credit Hurt Your Ability To Start A Business?

Views: 66

Becoming an entrepreneur is the dream of many people, especially if they are Millennials. There’s no doubt that owning your own company is something that remains a source of pride for many, and remains a way to chase one’s dreams. Many factors can influence a person’s ability to have their own company, but what many people don’t realize is that your credit score can impact...

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Can You Get Delinquencies Removed From Your Credit Report?

Views: 213

Can You Get Delinquencies Removed From Your Credit Report?   Delinquencies are one of the most common negative marks you can have on a credit report. Almost everyone has at least one delinquency appear on their report at one point or another. Obviously, this does impact your credit score negatively, and the most reasonable reaction anyone would have is to want to get these delinquencies...

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