The Difference Between an Inquiry and a Soft Pull
Does checking your credit affect your credit score? Discover the difference between an inquiry and a soft pull with Heartland Founder, Andrew Yamilkoski. Credit Inquiries A credit inquiry occurs when you are applying for a line of credit. That can mean going into a...
Rebuilding Your Credit: Paying Off Collections
Having a bill sent to collections is a definite negative on your credit score – however simply paying it off may not be the best way to deal with it. Learn more about how paying off collections affects your credit. Collections A collection is what happens when...
What to Look for in a Credit Repair Company: The Heartland Difference
Finding the right credit restoration company is an important step in rebuilding your credit – learn what to look for in a credit repair company and what to avoid. Integrity Before Profit Credit restoration is not as strictly regulated as other financial...
FICO Credit Score Breakdown: Payment History
Your FICO credit score consists of 5 factors that make up the whole. The largest factor is Payment History, which accounts for 35% of your score. This is the part of your credit score that takes into account late or missed payments. Learn more about what Payment...
The Importance of Re-establishing Your Credit
Re-establishing your credit is one of the most important parts of building good credit. Many people who have experienced bad credit tend to avoid credit of any kind when working to fix their score. In the grand scheme of things, not having any credit is actually more...