Credit Optimal

The Blaze MasterCard is an ideal credit card for people who want to rebuild their credit without resolving to use a secured card. It is a perfect option or people with bad to average credit and is an incredibly straightforward card without any frills. With a whole range of positive customer testimonials and no requirement […]

Is Credit Saint one of the top credit repair companies in 2020? Based in Saddle Brook, this credit repair company was established in 2004 and works to help clients improve their credit scores by deleting detrimental items from their report. With a track record of over 15 years, Credit Saint has worked tirelessly to provide […]

The NetFirst Platinum credit card is one of the best options if you want to rebuild your credit. It offers perks like instant approval with a $500 credit line, fast approval if you have bad credit and an APR that's always at zero. If you've been denied credit in the past, the NetFirst Platinum would […]

Your credit report is a representation of how you use your finances. It reflects how you pay your bills, manage your debt, or have several impending loans. In your credit report, there is a section reserved for public records, which are primarily entries filed by your local states, county, or federal courts. A few years […]

Bad credit can have detrimental effects on your fiscal life. If you have a bad credit report, your attempts to open a new bank account might continually hit a brick wall. According to the FDIC 2017 report, more than 8 million Americans (6.5% of the entire population) are "unbanked." In other words, this population represents […]

Each year, close to half a million (50%) of Americans file for bankruptcy. Bankruptcies could stay in your report for up to a decade, depending on the category of the bankruptcy. As a financial red flag in handling credit, assuming that bankruptcy is a result of fraud like identity theft or common errors could make […]

Secured credit cards are an incredible way to establish your credit history of you have none or if you have prior credit problems like delinquencies, bankruptcy, or charged-off accounts. Whether you're seeking to build your financial credit history from scratch or trying to build a good credit report, a secured credit card has its associated […]

When applying for a new job, you certainly comb through the best jobs, polish your resume and cover letter, and update them to show you're the best candidate for the job. During the interview, things that would make you stand out from the rest of the applicants include being well-versed with the company's goals, vision, […]

Are you having some incredible idea that you’d like to finance with credit, but you have an inadequate credit history? If you’re applying for a loan, you might get confronted with one of the most significant challenges: credit history. No doubt – finances stress out a lot of people, and almost everyone aims to achieve […]

When it comes to clearing credit card balances, it can be tempting to pay the bottom threshold of the amount due on your credit card bill. Typically, there are three amounts you can pay when you receive your credit card bill: the current balance, statement balance, and minimum due. The minimum payment is the lowest […]

Closing a credit account isn’t a guarantee that it will automatically drop from your credit report. You might perceive that closing a credit card account would eliminate it from your credit report, but operates in an entirely different approach. While closing the account prevents you from taking further loans using it, it is still going […]

Are you scouring the market to own a home, buy a car, or get perfect interest rates for a loan? If you're looking to fund a new idea with a loan, you should comprehend how your credit score matters. Several factors contribute to your credit score: payment history, amounts owed, credit mix, duration of credit […]

If you've been a client of a credit company and have applied for a loan or a credit card, you'll likely experience the possibility of a credit inquiry appearing on your report. Essentially, when you borrow some money or applying for a credit card loan, the lender would want to get some form of information […]

Negative things are enormous reminders of the financial mistakes you made in the past. In some cases, however, the mistake could not be yours, but a creditor or credit bureau is to blame for the errors. Either way, you must work towards removing the negative items from your report to avoid unfavorable credit eventualities. Deleted […]

Defaulted payments can be detrimental to your credit score and make it hard for you to get loans and credit cards. Late payments can stay in your credit report for as long as seven years, which is a significant amount of time – long enough to bar you from accessing loans with reasonable interest rates. […]

Getting things in order with your credit score can be daunting and time-consuming, especially if you’re trying to do it on your own. Home-made and customized credit repairs need a mammoth of procedures to stick to, strict timelines to follow, and a colossal number of technical terms to comprehend. You have to sit down and […]