How To Rent An Apartment With Bad Credit

How To Rent An Apartment With Bad Credit

Most property managers or landlords require a security deposit, first and last month’s rent, a rental application, a credit check, and references. Before you start searching for an apartment to rent, take a look at your credit report. If your score is less than 620, you may have trouble renting a place. If you have a bad credit score or you don’t know your credit score, what can you do? Get Your Free Credit Reports You are entitled to one free copy of your credit report every year. You can request one from each of the big three credit reporting […]

Can You Be Denied a Job Because of Bad Credit Article Image

Can You Be Denied a Job Because of Bad Credit?

Can You Be Denied a Job Because of Bad Credit?Credit scores can affect your ability to get a loan, rent or buy a house or car, or getting approved for credit cards. Did you know that having a poor credit score can affect your chances of getting a job? Almost every state allows employers to deny you a job because of bad credit. Some experts have found that there is a 1:7 chance of being denied employment because of a poor credit report.  What is a Credit Score? Your credit score looks at your debt, amount of debt, history of […]

How can you raise your credit score 100 points overnight

How to Raise Your Credit Score 100 Points Overnight

If you’ve ever been declined for a loan because of a low credit score, you may be scouring the internet for creative ways to raise your credit score 100 points overnight. However, the reality is that’s just not possible. The truth is, you can definitely raise your credit score; it will just take some time. Here’s how…. Pay Your Bills on Time Each time you pay late or skip a payment, your credit score gets dinged. A lot of dings and you’ll end up with a lower credit rating. You can always request that the due date be moved to […]

How Long to Keep Credit Card Statements

How Long to Keep Credit Card Statements

At least once a month, you get statements from a wide variety of vendors, either through email or paper mail. Did you know that, by law, you need to keep some of these records for a certain amount of time? And once you no longer need them, what’s the best way to dispose of them? Those pieces of paper contain a huge amount of personal information. Also,  what’s the best way to store these records? If you have a business, you will have additional requirements, but this article will be geared towards consumers rather than businesses. Call us today and […]

How to build your credit after debt settlement

How To Build Your Credit After Debt Settlement

Debt settlement can be great for debt relief, but your credit score is likely to suffer. Once you have completed a debt settlement program, you can then focus on rebuilding your credit score. With care and following the steps outlined below, you can have your credit score repaired in as little as twenty-four months. How Debt Settlement Affects Your Credit Score When you decide to settle your debt, there are a couple factors that will negatively affect your credit score. First, your bills are probably being paid late, or they might not be getting paid at all, so those late […]

Can You Pay Your Mortgage with Credit Card

Can You Pay Your Mortgage with a Credit Card?

The short answer to ‘can you pay your mortgage with a credit card’ is probably. It depends on the terms of your credit card and your mortgage holder. Since these are considered debt-for-debt transactions, credit card companies are wary of them. The more appropriate question is SHOULD you pay your mortgage with credit cards? Well, lets answer that question in a few paragraphs. Why Would You Use a Credit Card to Pay Your Mortgage? You might choose to use your credit card to pay your mortgage for several reasons. One is the rewards you accrue for using your card. Another […]

Find out how credit card interest works.

How Does Credit Card Interest Work?

That piece of plastic in your wallet is very convenient, easy to use, and a fast way to get into financial difficulties. A large part of financial trouble is directly related to interest rates (and fees). Let’s discuss how credit cards and credit card interest works. Once you understand, it’s easier to control your spending. How Do Credit Cards Work? A credit card is a form of a revolving loan, called a line of credit. The company assigns a credit limit (how much you can borrow in total). The amount you can charge to your credit card is called your […]

Why Your Equifax Credit Score Is Lower Than TransUnion

Why Your Equifax Credit Score Is Lower Than TransUnion

Your credit score allows you to get credit, buy large ticket items, rent an apartment, get certain jobs, and is viewed as a window into your financial trustworthiness. The higher your credit score, the better the loan terms.  But just what is your credit score and who is behind it? And why are your scores different from each reporting agency? Speak to a debt specialist and get your FREE Savings Estimate. We can help you understand all your debt relief options. Who are the Credit Bureaus? There are three different major credit bureaus; Transunion, Equifax, and Experian. Each one collects […]

Should I Use a Credit Card for Everyday Purchases?

Should You Use a Credit Card for Everyday Purchases?

Whipping out a credit card is very easy. Plus, you get rewards – cash back or airline miles – for every purchase. Using a credit card for everyday purposes seems like a win-win situation. But is it? We’ll look at the pros and cons of credit cards and everyday use and answer should I use my credit card for everything? Why Use a Credit Card for Every Purchase? There are appropriate reasons to use a credit card for everyday purchases. As we’ve mentioned before, you can maximize your rewards points, in effect making your purchases work for you. Responsible credit […]

How Many Credit Cards Should I Have

How Many Credit Cards Should I Have?

Credit cards make buying quick and easy. Earn airline miles or rewards for spending money! Apply for a credit card and get money off your purchase instantly! But whipping out a credit card to pay for impulse purchases or to make up income shortfalls can get you into a world of trouble.

BACK
Free Consultation
close slider

See How Much You Can Save


Start saving today! Get a personalized plan from Pacific Debt, the leader in debt relief with an A+ Rating from the BBB.


How much debt do you have?

Click to estimate

See Savings

100% free savings estimate and will not affect your credit