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  • How Does Credit Counseling Affect Your Credit?

    How Does Credit Counseling Affect Your Credit?

    Credit counseling usually consists of two stages: advice and action. During the advice stage, credit counseling will not affect your credit; however, during the action phase, the plan that you enact will mostly likely lower your credit score quite significantly. Advice vs. Action During the advice stage, the credit counselor […]

  • Does Consolidation Ruin Your Credit?

    Does Consolidation Ruin Your Credit?

    Debt consolidation does not ruin your credit. It many instances, it will improve a person’s credit. Any hits to your credit will come if you were behind on the payments for the debts that you are consolidating. Credit Dings As stated above, any dings to your credit will come from […]

  • How Long it Really Takes to Boost Credit

    How Long it Really Takes to Boost Credit

    If you are like many Americans, you may want to improve your credit score in order to get a mortgage, obtain an auto loan, or just to save money on your insurance premiums. Admittedly, there are ways to improve your credit score quickly; however it generally takes months, if not […]