Credit bureaus – Kaydem Credit Help

11 Aug 2022

Should You Have Open Accounts with More than One Bank?

It’s common for individuals to have various accounts with several financial institutions, but is it a beneficial financial decision, or does it make you more vulnerable to cybercriminals? To make the best decision for your finances, consider the advantages and disadvantages of having accounts with...

11 Jul 2022

Credit Myth Exposed: Pay Credit Cards in Full or Keep a Balance?

Most people will attempt to improve their credit score in whatever way they can. However, many common credit tricks are a myth, further extending how long it takes consumers to improve their credit scores. One of the most common tricks is for consumers to leave a balance on their credit cards, but w...

05 May 2022

No Credit vs. Bad Credit and What You Can Do About Both

You may experience similar hurdles whether you have no credit or bad credit, but is one worse than the other? Understanding how a lender views you as a borrower in both circumstances is essential to taking the proper steps to improve your creditworthiness regardless of your starting point. What does...

22 Apr 2022

Medical Debt Changes – What Consumers Should Know

Experian, TransUnion, and Equifax have announced in March 2022 that they are changing how they report medical debt on consumer credit reports starting July 1, 2022. Currently, since health care providers do not report directly to consumer credit reports, a collection agency must purchase t...

Become Debt Free Snowball or Avalanche Method

17 Mar 2022

Best Method to Become Debt Free: Snowball or Avalanche?

According to a 2021 CNBC report, the average American has $90,460 in debt, including credit cards, personal loans, mortgages, and student loans. Getting out of debt can be a challenge, especially if you’re not regularly seeing significant changes as you’re paying them off. There are two main str...

17 Feb 2022

6 Ways to Wisely Spend Your Tax Return

Tax refunds are just around the corner, making it a great time of year for many people. Most people, however, spend their tax return money shortly after receiving it since they see it as free money rather than money that was withheld from them by the government. It’s tempting to spend it on someth...

01 Jan 2022

Buy a Car Without the Stress – Get a Pre-Approved Car Loan!

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Credit Tips

In the market for a new car? Going to the dealership with a pre-approved car loan strengthens your negotiating power, helps avoid mark-ups, saves your credit from excessive credit pulls, and more. This article will help you understand how you can benefit from a pre-approved car loan to make your car...

21 Dec 2021

5 Things You Can Do to Instantly Improve Your Credit Score

Poor credit can have a crucial impact on your financial health and put you at a higher risk of being declined for credit or loans and higher interest rates. If you have a poor credit score, it can be overwhelming to know where to start fixing it, but don’t give up yet. There are five […]...

14 Jul 2021

Stop Hurting Your Credit Score with This Bad Habit

Recently a customer told us that, though he charges high amounts to his credit card each month, he makes it a point to pay off his balance in full each billing cycle. Yet after 20 years of diligently paying off his balance in full and never missing a payment, he realized that this practice actually ...

14 Jul 2021

Credit Card Declined? 9 Reasons Why this Happens and How to Fix It

As consumers, we have come to rely greatly on credit cards as a means for conducting transactions. Instead of carrying physical cash around, we just put this piece of plastic in our wallet and present it to the cashier while paying for our purchases. But what happens if your credit card refuses to s...