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Assisting Renters Blog

What Credit Score Do You Need To Get Approved For A Credit Card?

Everyone will at some point in their life get locked in a loan, whether it’s a student loan, home loan, or even a credit card payment.

If you had an overdue student loan, years of high credit card balances, collections accounts, or even foreclosures, you probably have below-average or bad credit. 

 

When looking to get approved for a credit card, you will need to understand and qualify for all of the card company’s minimum criteria:

 

How To Fix Your Credit Scores

Did you take out a huge loan and now the monthly payments are drowning you? Yeah, we know it sucks. Your credit score probably took a huge hit because of late payments or no payments. 

 

There are many steps to take when fixing your credit scores. Some include understanding your finances, finding errors and troubleshooting problem areas that you need to confront such as overspending. When you break down the details, these are the steps to fixing credit issues:

 

What Is Estate Planning?

Believe it or not, you have an estate, just like everyone else. Your estate is a sum up of your car your home, other real estate, checking and savings accounts, investments, life insurance, furniture, and other personal items. Unfortunately, you can’t take it with you when you die. So you will want to control how those things are given to the people or organizations you care most about. To make sure everything is carried out to your plans, you need to provide details explaining whom you want to get something of yours, what you want them to get, and when they are going to get it.

Landlords and Credit Checks

You found a wonderful home to rent, and now the landlord wants you to show them your credit check - oh no. Whether you have great credit, bad credit, or no credit, credit checks usually make you a little uneasy. What if there’s an issue? To help you feel less anxious, some common questions about landlord credit checks can be answered.

Small Claims Court - Learn The Process

Small claims court is designed to help small business owners or individuals take a small case to court without having to pay the super expensive legal fees. 

 

Learning the Process

You have to know the dollar amount limit you can sue up to in your state. In most states, there is a limit on the amount that can be taken to a small claims court. Search your state name and “small claims court” to figure out this amount. 

 

Learn About the Defendant

What Is Sweat Equity? How Does It Work?

Buying your perfect home is not easy and most people do not talk about the long term projects that they commit to, to turn their home into their dream home.

Sweat equity is the idea of time and effort that people contribute into a project. When it comes to your home, you want it to be comfortable, not only for you, but for anyone that decides to visit you. Buying a home that ends up having a bad, cracking paint job, wiggling doors, bad locks, or a leaking water pipe, can result in stress and financial worry accumulating when trying to mend all those problems. 

 

Eviction Assistance

Noone wants to deal with an eviction notice. The easiest way to avoid eviction is to pay your rent on time. Talk to your landlord if you can’t make rent that month. Not communicating with your landlord can lead to an eviction happening sooner. If you cannot afford regular renting, contact your local public housing, where they have affordable apartments to rent.

 

Having an eviction on your record may make it difficult to qualify for housing. If you owe money to any housing authority, you will have to settle that debt to be eligible for assistance again. 

 

Water Bill - Who Pays For It?

When you move into a new home, you have a lot of responsibilities as a tenant. Paying the water bill might be one of them. However, sometimes the water is inlcuded in the rent and there are certain situations where you shouldn't have to pay for your water. We point out those sitatuations below and how to approach your landlord about them.

Do I pay for water or does my landlord?

Statute of Frauds

Have you ever heard the term Statute of Frauds? Did you immediately get confused and did your eyes glaze over? Does the idea of contracts scare you? Is all of this confusing language stopping you from buying a home?

Well, fear no more. Assisting Renters is here to help you understand what Statute of Frauds means and help dispel the fear of contracts.