Who knew that getting hired for a new position could all come down to your credit history? It’s true. In several states, it’s perfectly legal for employers to pull your credit history during the hiring process. In their opinion, it determines your level of trustworthiness for the position they’d possibly be hiring you for. Although...
In the US, many employers have the right to look over your credit report before hiring you. Some say it’s justified for “trust” purposes. Others say it’s unfair to minorities or to those who are low income. The good news is there are some states where employers are prohibited from using your credit score against...
It’s important to know that there are different places to pull your credit score from. It’s up to the lender which one they use, but the one most largely used is the FICO score. Keep note that different places offer credit scores. This is important when you’re pulling your credit score either from a paid...
It’s pretty common knowledge that your credit score will affect your ability to get a loan, but there are some everyday living factors that your credit score can affect too. For instance: Insurance rates: Believe it or not, the amount of insurance you pay can be directly tied to your credit score. Great score equals...
If you’ve let your credit score hit the dumps, there are some areas in your life that it may affect. Most people already know that poor credit makes it tougher to get an installment loan or mortgage. But, there are other issues that can come up too, for instance getting a job. Although it may...
Keeping a clean credit history makes life a whole lot easier. Whether you’re trying to get a car, apartment, job or loan sooner or later someone will use your credit history to judge you. But let’s focus on how your credit score can affect your ability to get a loan. Getting a loan such as...
Before you go knocking on a title loan lender’s door, consider other options for your short cash needs. Even if you think you’ve exhausted all conventional lending resources, there still may be other options you haven’t tapped into yet. Try to think back many years ago before title loans became an option. What could you...
When you’re in a bind, it can be really tempting to take out a payday loan. But, before you sign your name on the dotted line, take a moment to ask yourself if you’ve explored all your options yet. Studies show that nearly 80% of borrowers had other means of covering their shortage of cash....
When you’re in a bind, it can be really tempting to take out a payday loan. But, before you sign your name on the dotted line, take a moment to ask yourself if you’ve explored all your options yet. Studies show that nearly 80% of borrowers had other means of covering their shortage of cash....
Now that you’re aware that you can find a lender who will take a chance on you, don’t make the mistake of going with the first fish that bites. You have to be sure that you’re making a sound financial decision that benefits you in the long run. This means not getting distracted by the...
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