{"id":6718,"date":"2016-03-21T15:09:03","date_gmt":"2016-03-21T15:09:03","guid":{"rendered":"\/?p=6718"},"modified":"2018-12-28T20:29:00","modified_gmt":"2018-12-28T20:29:00","slug":"benefits-of-keeping-a-clean-credit-history","status":"publish","type":"post","link":"https:\/\/financeguidetoday.com\/credit\/credit-scores\/benefits-of-keeping-a-clean-credit-history\/","title":{"rendered":"Benefits of Keeping a Clean Credit History"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Keeping a clean credit history makes life a whole lot easier. Whether you\u2019re trying to get a car, apartment, job or loan sooner or later someone will use your credit history to judge you. But let\u2019s focus on how your credit score can affect your ability to get a loan. Getting a loan such as a mortgage or installment loan are the most popular reasons for improving and maintaining good credit. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">With poor credit your chances of getting approved are slim and if you do manage to get approved, you will have to pay back astronomical interest rates. Other drawbacks of trying to get a loan with shaky credit include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Needing a cosigner<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Putting up collateral<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Having to jump through these extra hoops can be stressful and even embarrassing (especially if you need a cosigner). You may also have do a little more to get the loan, such as find a cosigner or put up collateral. Your best bet is to start now working on cleaning up your credit.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Keeping a clean credit history makes life a whole lot easier. Whether you\u2019re trying to get a car, apartment, job or loan sooner or later someone will use your credit history to judge you. But let\u2019s focus on how your credit score can affect your ability to get a loan. Getting a loan such as [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7111,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"_links":{"self":[{"href":"https:\/\/financeguidetoday.com\/wp-json\/wp\/v2\/posts\/6718"}],"collection":[{"href":"https:\/\/financeguidetoday.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/financeguidetoday.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/financeguidetoday.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/financeguidetoday.com\/wp-json\/wp\/v2\/comments?post=6718"}],"version-history":[{"count":0,"href":"https:\/\/financeguidetoday.com\/wp-json\/wp\/v2\/posts\/6718\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financeguidetoday.com\/wp-json\/wp\/v2\/media\/7111"}],"wp:attachment":[{"href":"https:\/\/financeguidetoday.com\/wp-json\/wp\/v2\/media?parent=6718"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financeguidetoday.com\/wp-json\/wp\/v2\/categories?post=6718"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financeguidetoday.com\/wp-json\/wp\/v2\/tags?post=6718"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}