Top things that help your credit score: Remove discrepancies from your credit report Pay your bills on time Pay off credit cards in full Have low debt to limit ratios Increase your credit limits NOT cancelling unused credit cards Things that hurt your score: High credit card balances Low credit limits Late payment history Too [...]

Conventional wisdom today is all over the map when it comes to finding a lender to finance your home purchase. Some experts say it is difficult to get financed if you have a bad credit history because banks are not lending money today. But some customers with bad credit are successfully getting financed today.