A county court judgment (CCJ) is a court order that might be registered against you if you don’t repay money you owe. You can get them in England, Wales and Northern Ireland. In Scotland, the equivalent process is called enforcing a debt by diligence. A CCJ stays on your credit file for six years from … Read more
Hey there folks! If you’re wonderin’ whether Wells Fargo uses TransUnion when you apply for a credit card or other financial goodies, you’ve landed in the right spot. At CreditSavvy Hub we’re all about breakin’ down the nitty-gritty of credit stuff so you ain’t left scratchin’ your head. So, does Wells Fargo use TransUnion? Short … Read more
You’re unique, and so is everyone else! How long you want your auto loan can be dependent on your personal circumstances and simply what you qualify for. But if you’re not sure what loan terms you should aim for and your credit score isn’t the best, we’ve got some suggestions. When it comes to car … Read more
Applying for a new credit card can complicate your homebuying experience. To minimize the risk of credit-related issues during the mortgage process, it’s best to avoid making any major changes to your credit activity, including opening new credit cards. Getting a mortgage to buy your dream home can be an exciting yet stressful process. You … Read more
The Tax Cuts and Jobs Act of 2017 had several implications for refinancing. Understanding the new tax rules can help you minimize your tax burden after you refinance your house. In this article, we’ll talk about some of the deductions you can claim on your federal taxes after a refinance, and how long you can … Read more
If youâre wondering how many credit cards you should have, thereâs no one-size-fits-all answer. But your number depends on your situation and goals. In general, you might look at whether having a single cardâor several cardsâhelps you build credit, manage your finances and take advantage of perks and rewards. Getting your first credit card as … Read more
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and … Read more
The American Express® Centurion Card holds cult celebrity status, even among other premium credit cards. Colloquially known as the “Black Card,” this prestigious credit card is only available to big spenders by direct Amex invitation. If youre curious about this mythical card wielded by A-list celebrities worldwide, read on to learn more. Hey there, folks! … Read more
Your debt-to-income ratio (DTI) is an important part of how mortgage lenders evaluate your financial health. DTI ratios represent how much debt you have compared to your income. It’s important to know your DTI as you consider buying a home. If you have a high amount of debt compared to income, consider `lowering your debt … Read more
On a scale of 300-850, a “good” credit score falls somewhere in the mid-600s to mid-700s. Learn how to get a good score and what opportunities it unlocks. Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or … Read more