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What’s the Deal with Credit Boosting Products?
Are you a target? If you’re on a list that targets people with credit challenges then you’ve likely been pitched products that are promising to boost your credit score. The ads read: How to Improve Your Credit Score 100 points in 30 days! Raise your FICO score instantly and buy a home next week! Raise […]
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What is a Credit Builder Loan and How Does it Work?
A credit builder loan is a financial product best suited for consumers without a credit score or those with low scores. They provide an opportunity for those just getting started to build credit or for those with a negative credit history to demonstrate a positive payment history. Credit builder loans are typically not offered by […]
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Good and Bad Debt: Understanding the Difference
When you’re considering borrowing cash, there’s a lot to think about. You may have a lot of questions, but let us at CESI Solutions help guide you.
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3 Ways to Improve Credit
Part of getting your financial life back on track is raising your credit score. Follow these tips to improve credit and start your financial life anew.
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What Credit Reporting Agencies Know About You and Where They Get Their Information
Most people know about the big three credit reporting agencies; Equifax, Experion, and Trans Union. The information in your credit report is available to lenders, banks, and credit card companies who make decisions about lending based on the information contained in the report. But what do these credit reporting bureaus know about you and where […]
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Credit During Covid-19
With all the daily details we have to pay attention to, we really don’t need one more thing to keep track of, but have you thought about your credit during Covid-19? I know—it’s been five months since the initial sheltering in place order and we’re still in the middle of a pandemic that seems never-ending—but […]
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Why It’s Important to Make More Than The Minimum Payment
Paying the minimum on your credit card each month may seem tempting because the minimum is usually a small amount. This isn’t a good idea.
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How to Read a Credit Report
Learn how to read a credit report so that you have an idea of what potential lenders and employers see when they take a look at yours.
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Are You Being Impacted By The Government Shutdown?
Are you or someone you loved being impacted by the Federal Government Shutdown? The majority of American households do not have a rainy day fund to cover basics. According to the Federal Reserve Board, and research shows that 40 percent of American households can’t cover a $400 emergency expense. Simply put, a missed paycheck can wreak […]
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4 Tips to Help You Pay Bills on Time
Missing bill payments can ding your credit score and usually results in a fee. Learn how to pay bills on time with these tips.