Credit Tips Archives - Dedicated Credit Repair

Credit Tips

4 Big Advantages of Using Credit

Often we meet clients who have little or no history of using credit – folks who prefer to pay for goods and services with cash or debit cards only. While it might seem more responsible to not use much credit, it can actually pose a major problem when trying to finance a house, car, or…

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Did You Know: Potential Employers Can Check Your Credit!

Did you know that when you apply for a job, your potential employer can do a background check on you that includes a look at your credit? They don’t actually see your credit scores, but they can see your credit history. Why would an employer check your credit? For a few reasons… An applicant’s credit…

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How Credit Repair Actually Works

Credit in general tends to be something of a mystery.  After all, you financial life is somewhat dictated by your credit score but the credit bureaus don’t really tell you exactly how they determine your score.  There are guidelines in place, but for most people, credit scoring is fairly puzzling. The same is true when…

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These Days, It Takes Good Credit Just to Rent a Home

In the past, we’ve somewhat equated the need for good credit with the ability to buy a home.  After all, in order to qualify for a mortgage, you need to have at least “decent” credit and to get the best rates, you have to have excellent credit. But now the pandemic and things like the…

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During Inflation, Good Credit is Your Best Friend

  The Consumer Price Index indicates that consumer prices have increased 5.4% from July of 2020 to July of 2021.  This means that on average, you are paying 5.4% more for everyday items that you purchase, compared to this time last year. Some industries have been hit even harder, such as housing and automobiles, where…

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Did You Overpay for Your Last Car?

We’ve all seen the car commercials advertising those insanely low car financing rates like 0.9% or sometimes even 0%, but the fine print will tell you that very few people get those loans because not only does your credit need to be perfect, but you also have to be willing to finance your car for…

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