Living With Bad Credit | An educational resource for all of your credit issues

Understanding Your Credit Report and Score

A credit report contains your entire credit history—basically any borrowing and repayment of money. Lenders will see everything in your credit report.

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Factors That Determine a Car Loan Amount

The amount of a loan that you are eligible to borrow depends on different factors, such as your credit score and the down payment amount.

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Improving Your Credit Score

Once you know your score, follow these easy tips to improve your rating.

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Credit Card Offers in the Mail

Most people receive offers for credit cards, loans, mortgage refinancing, etc. in the mail daily.

Rent vs. Own

There are advantages and disadvantages to both renting and owning a home. Evaluate what your needs are before you make the decision to buy.

Using the Equity on Your Home for a Loan

A home equity loan allows the homeowner to access funds using their house as collateral. There are two types: a home equity loan and a home equity line of credit (also referred to as a HELOC).

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