Credit Diva Blog

One big mistake you want to avoid is making a large purchase before investigating your credit report first.

• Often, people go to the lender to make a purchase with only 'somewhat' of an idea of their credit score.
• They don’t give much thought to the fact that there may be errors on their credit

At Credit Diva of Dallas, we know that going into the new year with credit issues is always disheartening. If there’s one common resolution made at the start of the year, it’s to pay down debt or resolve problematic credit.

Credit problems can arise for a variety of reasons.

• Maybe a divorce added

With high unemployment rates throughout the early half of COVID-19 in 2020, we know that many people in the Dallas area also saw their formerly good credit scores decline. When struggling to pay the bills, credit is often the only way to make ends meet—yet late payments (or missed payments) quickly

We've talked about the importance of regularly monitoring your credit score—but is there such a thing as checking it 'too' often?

• How frequently does your credit score update?
• If there's no change, does it really matter if you monitor it often enough? 

These are excellent (and common) credit

Before we go into the new year, it's important to remember where we came from to understand how far we still have yet to go.

Being Black in America is a complicated struggle that many don’t understand. When it comes to success, the cards are often stacked against our community. While there are

If you are struggling with debts piling up, you’re not alone. According to Pew Research, eight out of ten Americans have debt. Debt can be overwhelming, but it doesn’t have to ruin your life. In fact, sometimes, the right type of debt can be healthy! If you manage your balances, make all your

Getting in over your head with debt can be an overwhelming situation. If this is the type of scenario you find yourself facing, you may feel like there is no light at the end of the tunnel.

It’s challenging to manage if you are paying several different creditors each month. For one thing, your

Have you been keeping a close watch on YOUR credit utilization ratio? Now that the holidays have officially begun, people are starting their shopping, whether it's primarily online or distanced in person. If you’re buying gifts, food, or decorations, that spending can quickly start to pile up.

Some

Now that you’re at the age of retirement, there are probably a lot of things you’re thinking about doing. Maybe you just want to sit back and relax a while and enjoy life. After all the hard work you’ve done over the years, it doesn’t hurt to take a break and do whatever you enjoy most.

However,

Have you been researching ways to quickly increase your low credit score to purchase a home or get approved for a business loan? It may be appealing to look into how to add tradelines for a quick boost to your credit score—but how do tradelines work? 

If you have decided that purchasing them might