myHorizon Articles
How Long Does Negative Information Stay On My Credit Report?
Seeing negative information on your credit report is a real downer, especially if you’re trying to establish or rebuild good credit after bankruptcy. Fortunately, most negative entries on your...
How Good Credit Saves You Money on Mortgages, Car Loans, and Credit Cards
Good credit is essential to long-term financial health and credit flexibility. A solid FICO score means the difference between paying reasonable interest rates and struggling to pay sky-high interest...
Credit Repair Offers: The Good, the Bad, and the Ugly
If you are struggling to pay your bills, you’ve probably received more than one credit repair offer. They sound incredibly enticing with offers such as “Increase your FICO score” and...
Four Ways Late Payments Impact Your Credit
Paying your bills on time is critical to keeping a good interest rate and maintaining an acceptable FICO score. But what happens to your credit when you pay late? Below are four ways late payments...
Is Getting A Secured Credit Card Really Worth It?
Reestablishing your credit is one of the cornerstones of thriving financially after bankruptcy. Having a good credit score means you will qualify for lower interest rates for credit cards, car loans...
Can Creditors Resell Debt That Was Included In Bankruptcy?
After bankruptcy some filers end up victims of unscrupulous creditors who try to get payment for debts that were discharged. Often these debts reappear on your credit report as delinquent accounts,...
What Does A Good Credit Card Look Like?
Getting a credit card is one of the first steps to rebuilding your credit after bankruptcy. But how do you find a credit card that will help your financial situation and not hurt it? What does a...
How Is My Account Status Reported To Credit Bureaus?
Lenders use status codes when reporting the status of your credit account to the credit bureaus. These status codes have a numeric value that can have a positive or negative impact on your credit...
Options for Getting a Home Loan After Bankruptcy
Many debtors fear that a bankruptcy will close off any chance of getting a mortgage. But that’s simply not true, with a little time and proper planning you can get a mortgage with good interest...
Five Credit Myths Debunked
Credit and creditworthiness are important parts of modern society. Nonetheless, credit is often shrouded in mystery and burdened with a variety of myths. Let’s explore and debunk some of the most...