3 Signs You Should Refinance Your Credit Card Debt

With high-interest rates, credit card debt is one of the most expensive types of debt you can have. Sometimes, however, no matter how meticulous you are about making timely payments, you may still find yourself in credit card debt. It starts off small. You miss one payment and th ...

by Allison Wignall on July 27 2021

Credit

What Are Credit Bureaus? 

Credit bureaus are private organizations that function as credit databases. They collect credit information about individuals from various sources. This information is provided to creditors for a fee to help them make lending decisions. Credit bureaus are also known as credit rep ...

by Refi.me Staff on July 21 2021

Credit

What Are Credit Repair Services? Are They Legit?

When researching ways to fix your credit, you’re sure to come across credit repair services that offer to help. This can trigger several questions. Should you take their help or should you try and fix your credit on your own? What are credit repair services anyway? Are they legit ...

by Refi.me Staff on July 7 2021

Credit

How To Increase Your Credit Score Quickly

Your credit score impacts several aspects of your financial life. Lenders check your score to determine your approval for a mortgage, vehicle loan, or credit card. They also use your score to set your interest rate. Naturally, you’ll want to increase your credit score as quickly ...

by Refi.me Staff on July 2 2021

Credit

FAQ About Building Credit

Credit forms an integral part of your financial credentials. It can impact both – your ability to get a loan as well as the cost of borrowing. This is why there’s so much emphasis on maintaining good credit. If you’re not sure where or how to start, these FAQs about building cred ...

by Refi.me Staff on June 29 2021

Credit

Can You Build Credit Without a Credit Card?

You’ve probably often heard that a credit card is absolutely necessary in order to build your credit. While it does make the task much easier, it isn’t 100% needed in every scenario. There are other ways to build your credit up, including these three tactics....

by Refi.me Staff on June 25 2021

Credit

How Can I Check My Credit Report For Free?

Your credit report is an integral aspect of your financial life. It acts as an indicator of your financial health and can impact your approval when you apply for credit. Credit card issuers and lenders also use it to set personalized terms and interest rates. The entries in your ...

by Refi.me Staff on June 25 2021

Credit

What Is Included On A Credit Report?

A credit report is essentially a summary of your credit accounts and how you’ve handled each one. It reflects the payment history of all accounts you currently hold as well as the payment history of past accounts. It also contains information that your creditors and lenders have ...

by Refi.me Staff on June 25 2021

Credit

The Difference Between A Credit Score And A Credit Report

A credit report is a detailed record of your debt management history. The information in your report will help calculate your credit score. Both together speak volumes about whether or not you can handle debt responsibly. When you apply for any line of credit, prospective lenders ...

by Refi.me Staff on June 23 2021

Credit

How To Rebuild Your Credit After Damage

It takes several months of consistently making smart financial decisions to build good credit. But it takes just one mistake or missed payment to damage your credit. More ...

by Refi.me Staff on June 18 2021

Credit