Category Archives: Credit Report

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Getting a Mortgage After Bankruptcy: The Letter that May Make the Difference

Since filing for bankruptcy protection may shave more than 200 points off your credit score (more if your house was foreclosed on!), it stands to reason that you may not be the picture of a good risk when applying for a mortgage. However, that doesn’t mean you can’t get a loan approved; a good letter……
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The Fair Credit Reporting Act: Your Rights and Common Violations

  Credit reporting agencies, creditors and other users of such information are subject to the Fair Credit Reporting Act. If any of these types of entities are found violating this act, then it may be possible to seek damages from the offender in civil court. Your Rights Under the Fair Credit Reporting Act The Fair……
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6 Tips To Improve A Low Credit Score

Having a low credit score tags you as a high-risk borrower and can impact so many facets of your life. Just how can it affect you? It is the determining factor in whether or not a lender will actually lend you money, and it raises the interest rate you have to pay if they do…….
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5 Steps Toward Building a Better Credit Score in New Jersey

The need for a good credit score is an increasingly important fact of life. Not only do credit scores influence your ability to get a loan, but they are also now often used to determine whether you will be hired for a job or allowed to rent an apartment.


Life After Bankruptcy: Raising Your Credit Score

While most believe that bankruptcy has a negative connotation, it is actually designed to help you get your finances in order. Maybe you spent more than you could afford or acquired a few too many credit cards to the point you could no longer keep up. Responsibly managing finances is not easy and not something……
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