Bill Clifford

In theory, car insurance should only take account of one single factor: How careful you are while driving. In practice, that’s not the way it works – at all. Research shows that non-driving factors, including where you live and high or low credit score dramatically impact your car insurance premium.…

Credit report errors aren’t as rare of an occurrence as you may think. Even the smallest of errors can become a detriment to your credit and your financial situation. In this blog, we’ll show you a few examples of people that became victims of credit report errors, and how they…

If you own a small business, credit cards can be a great source of cash flow to keep your daily operations running smoothly. A designated business credit card can provide you with a steady amount of money during seasonal lows, act as a quick and reliable short-term loan, and help…

Buying a home always instead of renting it is a life-changing decision that comes with many financial responsibilities, including the risk of affecting your credit score. Both renting and buying a property influences your credit, and both these options have their pros and cons. Knowing them beforehand is vital to…

Your credit history is just one of the factors affecting your credit score, usually accounting for roughly 15% of the total score. This history would be kept for the next 7-10 years if you closed an account that’s in good standing, or 7 if you had negative items such as…

In 2017, several major credit reporting agencies announced a plan to overhaul how negative information is handled on credit reports. Up to 8 million American consumers unknowingly enjoyed the benefits of this unexpected change, and saw their credit scores jump by up to 40 points. According to the New York Federal…