If your loan application was rejected because your credit file is thin, it might be time to reapply with lenders using a new ...

I've seen folks raise their scores by 50+ points in just a few months, without doing anything fancy. They just learned which factors affected their score most, and focused on improving those areas.

A little over a decade ago, I found myself in especially dire financial straits. I got laid off from my job, split from my spouse, and defaulted on the mortgage for the house I shouldn't have bought.