Credit360 Inc. - Thursday, March 23, 2017
You’ve probably heard all the usual credit advice before: try to pay your monthly balances in full and on time, plan to pay off any debt within five years, and so on. But even the most responsible credit card owner will find themselves struggling against onerous fees, high interests, and difficult terms and conditions that make lowering your debt difficult. At that point, you should consider taking your credit card company to task.
Chances are that you’ve never actua ..
Credit360 Inc. - Sunday, February 26, 2017
Just about everyone knows how important it is to maintain good credit. But part of keeping your finances in order is paying attention to your credit score and credit report, which are the two most important indicators of credit health. But many people – including the majority of those less than 35 years of age – have never even obtained either of these items, let alone know the difference between them. Here’s a quick rundown of what you need to know and why it is so important. ..
Credit360 Inc. - Monday, February 06, 2017
Buying a house is one of the biggest decisions you will ever make. Unsurprisingly, getting a loan for that endeavor is also a big deal, requiring a lot of careful planning and preparation. You want to make sure your American Dream doesn’t become a nightmare, with bad terms and conditions or unsustainable interest payments.
Check Your Credit Score
Your credit score and credit activity are a major consideration for lenders, especially when it comes to big loans like mortgages. Mos ..
Credit360 Inc. - Thursday, January 05, 2017
The most important factor for any lender considering you for a new loan – whether for a home, car, business, or other purpose – is by far your credit score. Income and employment history are important too, but ultimately the likelihood of qualifying for your loan – and having a manageable interest rate – comes down to that three digit credit score number.
Little wonder that when it comes to improving your credit score, many folks understandably aim high ..
Credit360 Inc. - Sunday, November 13, 2016
When buying a home or any other kind of real estate, you’ll need to borrow money – unless you’ve got hundreds of thousands of dollars of cash on hand. Thankfully, there are all sorts of home loans – a.k.a. mortgages – that you can choose from depending on your needs or circumstances.
This is the most well known and popular type of mortgage, especially for first-time homebuyers. Insured by the Federal Housing Administration (FHA ..
Credit360 Inc. - Wednesday, October 12, 2016
Contrary to popular belief, Americans were once good savers – during the 1980s, the majority of the population had a savings rate of at least 10 percent. Flash forward to 2006, and the rate has reversed to negative 10 percent – that is, most people have a debt rate of 10 percent.
A study by Federal Reserve found that half the country could not even come up with $400 in savings in the event of an emergency. Most low and middle class Americans live on the razor&rs ..
Credit360 Inc. - Monday, September 19, 2016
Travelling doesn't have to break the bank. With a few simple and accessible tips, you can enjoy almost any adventure your heart desires while remaining financially responsible. Here are some ideas from our experienced credit and finance experts.
Travel with card and cash
Lots of people think that cash is old news now that everyone takes card. But there are still plenty of vendors, particularly in certain countries, that only take cash, especially for little purchases ( ..
Credit360 Inc. - Tuesday, August 02, 2016
Credit card debt is more than just a pain – it can drain your financial resources, negatively impact your ability to borrow money, and lead to a lot of stress and unhappiness. But paying down your debt and taking back your financial independence doesn’t require any special skill or ability: you just need to have the right attitude and take a few easy and affordable step, courtesy of Time Money.
First, figure out what you owe. This might seem obvious, but even the most organized ..
Credit360 Inc. - Friday, July 22, 2016
A big part of what drives our passion for Credit Repair (http://www.credit360.biz) is just how important credit is for fulfilling the American Dream. Having a high credit score and good credit score can unlock all sorts of doors that would otherwise be closed to you. Consider just some of the following benefits of healthy credit:
Owning a Home
Buying a house is one of life’s biggest milestones, and a path to prosperity and success. But like all great thing in life, it is also on ..
Credit360 Inc. - Monday, July 11, 2016
If you are a first time home buyer, you may benefit tremendously from a loan from the Federal Housing Administration (FHA). FHA loans are highly sought after because they offer mortgage loans with lower down payments, lower fees, and numerous other benefits. However, you may struggle to qualify for even these fairly accessible loans if you have a questionable credit history.
Recent policy changes now require FHA loan applicants to have a minimum FICO (a.k.a. credit) score of 580 ..