How Long Do Negative Items Stay On Your Credit Report?

credit rating, credit score, credit report

March 9, 2020
  When you are trying to build credit, it takes time for negative items to fall off your credit report. While you can get incorrect information that could affect your credit removed without waiting any specific amount of time, correct reports of late payments, multiple hard credit inquiries, and other activity could take between two and seven years to disappear.  
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What are some advantages to using cash for purchases?

identity theft protection, budgeting, cash, spending money, credit, credit rating

September 18, 2018
In today’s society, there are multitudes of ways to access and pay for goods. From debit and credit cards, to pay services such as PayPal and Venmo, each type of payment method offers advantages and usually some disadvantages. One payment method which has many advantages is the good old greenback, or cash.
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Equifax Extends Offer to Freeze Credit Reports

equifax, credit rating, credit freeze, credit report

February 13, 2018
After the personal information of 145.5 million people was exposed to hackers during the Equifax security breach last year, the company offered to waive the normal fees to freeze credit reports for individuals if they received a request to do so before January 31, 2018.
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Revolving Credit Lines vs. Installment Credit Lines

Installment Loans, revolving credit, credit rating, credit card, interest rate, credit card payment

December 22, 2017
There are some major differences between revolving credit lines and installment credit lines that influence how fast you can pay off the debt. Here’s what you need to know about each of these options:
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Seneca SC

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Easley SC

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Florence SC
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