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What is refinancing and how does it affect your credit score?
What is refinancing? When an old debt is paid off with a new loan, the process is known as refinancing. By acquiring a new debt obligation with different conditions, you…
When to Pay for Credit Monitoring
Although there are no costs associated with credit monitoring, not everyone takes advantage of the available possibilities. You may want to invest in credit monitoring if you have been a…
What do you need to know about credit score monitoring?
When initially considered, credit score monitoring may appear cumbersome and pointless. However, the process is surprisingly simple, and the benefits are substantial. If you monitor your credit score, you can…
What factors impact credit scores
Credit scores can be calculated in a variety of ways, with each model employing its own unique set of criteria. Even though many scoring systems use the same factors, they…
Can you tell me what I can do to improve my credit score?
Credit scores are determined by a variety of quantifiable factors that you can influence. Even if your score is low, there are things you can do to raise it. Don’t…
I was wondering why I was denied a credit card
Any one of the following could cause a credit card company to reject your application: A high debt-to-credit ratio (your total debt divided by your available credit) is grounds for…
Following these four guidelines will help you maintain a solid credit history
1. Be punctual 35% of your FICO score is based on how reliably you’ve made payments in the past.You should always make on-time payments toward your debts, whether they are…
The online dispute resolution workflow
Checking your credit report online and making any necessary corrections through the Dispute Center is the quickest and most convenient way to dispute inaccurate information on your credit report. Personal…
What is the procedure for putting a freeze on and taking a freeze off of my credit for no cost?
Putting on a credit freeze: Equifax, TransUnion, and Experian all have online, phone, and postal mail channels for requesting a credit freeze. Identifying details like your social security number and…
What to do when you get denied for a credit card
Re-appeal to the card company More information provided to the card issuer may increase your chances of approval. It’s possible, for instance, that you forgot to count retirement funds, alimony,…
How is your credit score determined
There are two main credit scoring models that use information acquired by debt collectors to assign a numeric value to your credit risk. In discussions of credit scores, you might…
What are excellent, good, and fair credit scores?
Excellent Credit Score: In the range of 750 and 850, you’ll find “great” credit scores. People with outstanding credit histories often have at least $10,000 in available credit, no late…
The benefits and drawbacks of loan refinancing
It is vital to undertake a comprehensive examination of the benefits and the drawbacks connected with refinancing before making a final decision, this should be done as soon as possible.…
Types of refinancing that affect your credit score
1. Mortgage Refinancing The process of mortgage refinancing can have the greatest effect on your credit standing and, consequently, your credit score. When looking for a mortgage rate, try to…
How to Improve your Credit Score
A credit score depends on the credit history of an individual. The credit history includes; the number of accounts opened, payment pattern and history, any debt, and several other factors.…
What is the difference between a Credit Freeze and a Fraud Alert?
Credit Freeze A credit freeze can be placed on a credit report by anyone, even if their identity has not been stolen. What it does: A credit freeze prevents new…
The One Blog You Didn’t Know You Needed… and Here’s Why You Actually Do!
Posted on October 12, 2022. Hello, there! And thank you for visiting our new blog! Here at Credit Masters USA, we believe in providing our customers with the best credit services. Why did we…
Should You Add Your Rental History to Your Credit Report?
Posted on October 12, 2022. Your credit score is a crucial part of your overall financial health. A strong score makes it easier to access loans and additional credit at…