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Approximately 50 million Americans have little or no credit history on file with the “Big Three” credit bureaus (Experian, Equifax and TransUnion) but earn a steady income and meet regular payment obligations of rent, utilities and recurring bills. Historically, these potential creditworthy customers have been denied credit offerings due to their “thin” or lack [...]

It’s the time of year that many runners commit to fall marathons and begin their 16 to 20 week training period. Any runner knows that a marathon requires long-term planning - you can’t just show up on race day, put your toe on the line and expect to reach the goal without any pain. [...]

Last week, we took a look at that little number banks and creditors use to determine your creditworthiness - your credit score. Now that you know the basics, it’s important to know how you can positively affect your credit score.
While certain companies and people out there want you to think that there are little [...]

Over the last couple weeks, we discussed who is looking at your credit file and what lenders are looking at. So, today, we’re going to tackle that beast of burden - your credit score. Knowing what impacts your credit score will help you figure out how to positively impact it (which we’ll manhandle [...]

So, you’ve been thinking about signing up for WilliamPaid, but aren’t sure whether you want to part with $49.95 to flexibly pay your rent online for a year, have the ability to set-it-and-forget-it and have your rent reported to the credit bureau to help build your credit. We know that $49.95 is no chump [...]

Last week, we discussed who is pulling your credit. This week, let’s take a look at what they are looking for.
In general, lenders review your credit for a few key pieces of information that will tell them if you are worthy of receiving a loan or if you are a credit risk. [...]

Every now and again, we take the opportunity to provide additional information on one of WilliamPaid’s functions or tools - to give you a little more color on why it might be helpful to you. Today, the WilliamPaid spotlight is on our Credit Score Estimator.
Every year, you are entitled to receive a free copy [...]

As part of our monthly sweepstakes, we offer additional entries for those of you who answer our Question of the Day. Sometimes the QOD (as we lovingly refer to it) relates to our website, sometimes it asks a question about credit and, other times, we ask you a survey question. Regardless of the [...]

Last month, as part of our ‘Make Your New Year’s Resolution Stick’ sweepstakes, we asked you to let us know your New Year’s resolutions. Among the thousands of pledges of weight loss and smoking cessation, which are laudable goals, there was one resolution that really stood out.
Kathleen P. resolved to “finish [...]

So, you just used the WilliamPaid Credit Estimator and received your estimated score by answering six basic questions. Or, maybe someone asked you what your credit score was and you have no idea. In either case, you may have a basic understanding of what a credit score is and what it is used [...]