A late payment is simply a payment that you have not made to the lender before the due date. This happens to the best of us as we can make mistakes due to oversight or shortage of cash. Unfortunately, these mistakes will negatively affect your credit score and cause it to drop dramatically as your payment history is the key component used to calculate your credit score. In this article, we will discuss how late payments affect your credit score, the other potential penalties, and tips on how to keep your future credit…continue reading →
When you apply for a loan, a credit card or any other form of credit, every point in your credit score counts. So, you may want to consider boosting your credit score before applying for any type of credit as even a few points added can make a large difference. With a higher credit score, you can save on fees, annual percentage rates, higher bonuses, and perks. There are many things that you can do to improve your credit core over time, but credit bureaus often do not make the relevant adjustments for…continue reading →
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