Our Smart With Debt blog guides you on how to live the life you desire with your own money, not borrowed from banks or lenders. We strive to support those who are serious about managing their debt and discovering ways to leverage it for financial gain.
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Credit Pitfall: High balance on a small credit card
Categories: Credit Tips
One of the biggest credit pitfalls people fall into is when they have a high balance on a small credit card. For example: You have a $500 credit card and charge $400 on it. When creditors see you’re using 80% of your available credit, they mark you as HIGH risk. Now, let’s say you have […]
Do you think credit is out of reach?
Categories: Credit Tips
Do you think credit is out of reach? Guess what? It’s not. Even if you don’t have any credit, you can still get credit. There are people out there who have a total credit score of zero. In fact, almost 11% of Americans either do not have credit or have too little credit to score. […]
Motivational Monday – A Ship
Categories: Credit Tips, Mortgage
Friday Fun – Father’s Day Funny
Categories: Credit Tips, Mortgage
What’s a Good Credit Score?
Categories: Credit Resources
What does a good, solid, lender-friendly credit score look like? In the mortgage industry, lenders like to see scores above 760. Anything under 660 could get a Simon Cowell-like rejection. Okay, maybe not that harsh, but still. You’ll risk hearing “No” more than “Yes” if your credit score is too low. Do you know what […]