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For those who want to buy a home, but don’t have the best credit, there is still an option. Bad credit home loans are out there and can help a person buy a home. However, there are some mistakes that can and should be avoided at all costs before applying for a loan. Here are […]

Bad credit can be disastrous to one’s financial being. In fact, a person who has a problem with their credit history may have trouble getting a mortgage, a car loan, or even a personal loan. A person may have to pay higher insurance premiums, or even lose out on employment opportunities. One may also have

Fico scores range from 300- 850. So you when you subtract the two you have 550 points to play with in terms of your credit score. This is a helpful way at breaking down the importance of each category involved in a credit scoring model.  1. Payment History- 192.5 points-  35% of your credit score-