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Before shopping for a car, credit card, or personal loan, you must first pre-qualify your credit. What does it mean to pre-qualify credit, you may ask? Credit pre-qualification means that a lender goes through a borrower’s information and provides an estimate for...

When shopping for a new credit line, you want to ensure that your credit score is at its possible best. There are several ways to ensure that your credit score remains low while shopping for a new credit line. A line of credit allows you to borrow money for a lender...

Making credit inquiries may affect your score depending on the type of inquiry you have made. Equifax and TransUnion are credit bureaus that keep track of your credit inquiries to determine whether or not you pose a risk to lenders. Learn what a credit inquiry is, how...

A bad credit report and low credit score usually represent more risk to lenders. Still, a piece of factual information can guarantee better interest rates and loan terms from lenders and other service providers. That’s why people with bad credit histories seek out...

A low credit score can make shopping for credit cards, and you may resort to looking for lenders that are willing to sell you a credit line despite your bad credit. It’s not always a good idea. Besides buying a new foul credit line, you should opt for other credit...