You’ve just checked your credit report and noticed an inquiry you did not authorize. If you do not recognize this hard inquiry, you could potentially be at risk of fraud. You’ll want to investigate the inquiry immediately so that your credit score is not damaged in the future. Here is an overview of a hard … Read more
With housing prices soaring, finding an affordable place to call home can be challenging. One option to explore is HUD homes, which are often sold for less than their market value. But what is a HUD home, and how can you determine whether it’s the right choice for you? Here’s what to know. Key takeaways … Read more
Exempt Property This article explains the basics of the garnishment process as a method for collecting debt after a judgment has been entered. Here, learn about garnishment and how it works in Texas. Garnishment is a process that creditors use to collect debts, often requiring a lawsuit and court judgment. Banks or employers may freeze … Read more
You must register with the City of San Antonio if you are a credit access business as defined by Section 393.601 of the Texas Finance Code and operating in the City of San Antonio. These businesses obtain for consumers or assist consumers in obtaining an extension of consumer credit, commonly known as payday loans or … Read more
A gold bank card is a type of credit or debit card that provides premium benefits, services, and cachet But what exactly does it mean to have a gold card? Let’s break it down. Gold Cards Offer Elite Status Gold cards are a step above regular credit cards in terms of prestige. They signal a … Read more
For a score with a range of 300 to 850, a credit score of 670 to 739 is considered good. Credit scores of 740 and above are very good while 800 and higher are excellent. For credit scores that range from 300 to 850, a credit score in the mid to high 600s or above … Read more
Interestingly enough, many of the post commenters didn’t seem to agree with us on this! But here’s the nuts and bolts of savings rates and why additional mortgage payments should be included… When it comes to personal finance, one of the most common questions homeowners have is whether or not their mortgage payments can be … Read more
Getting an auto loan can be challenging, especially if you have bad credit With lower credit scores, you may find it difficult to qualify for financing from banks and credit unions. In this situation, you may be wondering – what dealership is easiest to get financing from? Fortunately, there are several options for getting car … Read more
Mortgage underwriting can feel mysterious – maybe you’ve heard it’s a long and complicated process or that it’s full of stops and starts. But that shouldn’t give you cause to worry. We’ll help you understand everything about mortgage underwriting, including how you can prepare to be ready for every step of the process. Getting a … Read more
How you manage your credit card accounts can affect multiple factors that determine credit scores, including your payment history, credit utilization rate, average age of accounts and credit mix. Acquiring a credit card account, using it (or not) and choosing to close it can all have significant consequences for your credit scores. Credit card activity … Read more