Hey there, fam! If you’re wondering, “Does Credit Sesame impact your score?” lemme put your mind at ease right off the bat. Nah, it doesn’t. Not even a lil’ bit. Using Credit Sesame to check your credit is what’s called a “soft inquiry,” which means it won’t touch your credit score at all. Unlike those … Read more
If you can’t pay your mortgage or are worried about missing a mortgage payment, call your mortgage servicer right away. You should also contact a HUD-approved housing counseling agency to get free, expert assistance on avoiding foreclosure. Hey there, friend! Ever wondered if you can just stroll up to your lender with a fat stack … Read more
A tier 2 credit score is a score that falls within the range of 670 and 799. Higher credit scores would be categorized within the first credit tier while scores below 670 would fall under the third credit tier. A credit tier is a way of organizing consumers and their credit scores. The most common … Read more
Best Buy credit card requirements can seem daunting, but understanding the specifics is key to securing approval. This comprehensive overview details the essential criteria, from income and credit history to age and residency, helping you navigate the application process with confidence. We’ll explore the various card types and compare them to similar options in the … Read more
How Much Income Do You Need to Qualify for a $200,000 Mortgage? Getting approved for a $200,000 mortgage is a major financial move that requires careful planning and preparation As a mortgage lender, I often get asked “How much income do I need to qualify for a $200,000 mortgage?” There’s no one-size-fits-all answer, but this … Read more
Depositing large amounts of cash into your bank account can trigger reporting to the IRS. This article explains how much you can deposit before the bank notifies the tax authorities. What is the Cash Deposit Reporting Requirement? Banks and credit unions in the US are required to report cash deposits over $10,000 to the Internal … Read more
In general, keep unused credit cards open so you benefit from longer average credit history and lower credit utilization. Consider putting one small regular purchase on the card and paying it off automatically to keep the card active. A crowded wallet and the temptation to spend might have you thinking about canceling unused credit card … Read more
How Can I Clean My Credit in 60 Days? A Comprehensive Guide Having a good credit score is essential for getting approved for loans, credit cards, mortgages, rental applications, and even jobs Unfortunately, mistakes can happen that damage your credit – late payments, collections, foreclosures, and bankruptcies all negatively impact your score The good news … Read more
Yes, you can use a personal loan to buy a car, and it could be a good choice in certain scenarios. But auto loans generally offer lower interest rates, making them a better option in most cases. Car prices remain elevated in 2023 due to the persisting impact of the pandemic. The average loan amount … Read more
If a creditor or creditors are suing you for a debt you simply cant pay, you may get letters demanding money. The creditor may finally get a judgment. It can be frightening not knowing what could or can happen next. As a New Jersey debt relief lawyer, I can help you understand the process and … Read more