Steven Tumulski

Steven Tumulski

Bad Credit Expert

Steven Tumulski is most knowledgeable about debt and credit repair, and has had his work published more than 5,000 times in his years of writing. Much of Steve’s education comes from real-world experience, having served in management in the IT field before diving into the world of personal finance. Steve is a father of three and spends his spare time reading and writing fiction.

Latest Posts

(19) Total Posts to Date

Blog

100,000+ views

3 min read

7 Ways a Bad Credit Score Can Hurt You

7 Ways a Bad Credit Score Can Hurt You

Everyone wants a good credit score. If your report shows you likely have a 700 or higher, you’ll have access to... read more »

Steven Tumulski

By: Steven Tumulski • 1/15/15

Guide

100,000+ views

5 min read

How Students with Bad Credit Can Apply for Credit Cards

How Students with Bad Credit Can Apply for Credit Cards

If you’re in college and dealing with bad credit, you’re undoubtedly hoping to graduate with a higher score. Doing... read more »

Steven Tumulski

By: Steven Tumulski • 12/18/14

Guide

100,000+ views

5 min read

How to Get Rid of Debt and Keep it Off

How to Get Rid of Debt and Keep it Off

Debt stinks, but it’s not like most of us have much of a choice. If you want to buy a house, you’re going to need... read more »

Steven Tumulski

By: Steven Tumulski • 12/17/14

Guide

100,000+ views

5 min read

How to Get a Loan When You Have Bad Credit

How to Get a Loan When You Have Bad Credit

Once you have bad credit, it might seem like you’ll never be approved for another loan again. While this is... read more »

Steven Tumulski

By: Steven Tumulski • 10/23/14

Study

100,000+ views

1 min read

Mortgage Lenders with Bad Credit Insolvencies Coming to an End

Mortgage Lenders with Bad Credit Insolvencies Coming to an End

It’s no secret the recent “great recession” was largely caused at the hands of mortgage lenders with... read more »

Steven Tumulski

By: Steven Tumulski • 7/25/13

Guide

100,000+ views

5 min read

How to Explain Your Bad Credit to Your Partner

How to Explain Your Bad Credit to Your Partner

If you have bad credit, then you’re already used to dealing with a number of challenges. One you may never have... read more »

Steven Tumulski

By: Steven Tumulski • 7/16/13

Study

100,000+ views

1 min read

Study: African-Americans More Likely to Have Bad Credit

Study: African-Americans More Likely to Have Bad Credit

A recent $1.3 million dollar study undertaken by Freddie Mac has revealed some surprising differences in credit... read more »

Steven Tumulski

By: Steven Tumulski • 7/15/13

Study

100,000+ views

3 min read

Study Suggests Students Should Have One Credit Card to Avoid Potential Debt

Study Suggests Students Should Have One Credit Card to Avoid Potential Debt

It seems like common knowledge we should avoid debt. Each generation goes through the process of accumulating debt,... read more »

Steven Tumulski

By: Steven Tumulski • 7/11/13

Blog

100,000+ views

5 min read

How to Know Your Credit Score is Wrong

How to Know Your Credit Score is Wrong

It’s tough living in a world where your credit score is so important. One little mistake, one missed payment or... read more »

Steven Tumulski

By: Steven Tumulski • 7/9/13

Guide

100,000+ views

5 min read

How to Save for College When You Have Bad Credit

How to Save for College When You Have Bad Credit

College is expensive. Recent surveys have shown the cost of an average four year degree is $22,000. When you... read more »

Steven Tumulski

By: Steven Tumulski • 7/2/13

Guide

100,000+ views

7 min read

How to Repair Bad Credit

How to Repair Bad Credit

Whether you’ve made some bad decisions or simply fell on hard times, finding yourself with a bad credit score is... read more »

Steven Tumulski

By: Steven Tumulski • 6/28/13

Blog

100,000+ views

5 min read

5 Ways to Rebuild Your Credit Score

5 Ways to Rebuild Your Credit Score

If you’ve found yourself in the unfortunate position of having a low credit score, you’re likely desperate to clean... read more »

Steven Tumulski

By: Steven Tumulski • 6/27/13

Blog

100,000+ views

3 min read

What is the Difference Between Bad Credit and No Credit?

What is the Difference Between Bad Credit and No Credit?

Unless you’re independently wealthy, it’s going to be virtually impossible to accomplish any typical adult goals... read more »

Steven Tumulski

By: Steven Tumulski • 6/17/13

Study

100,000+ views

1 min read

One-Third of Americans Have a Low Credit Score

One-Third of Americans Have a Low Credit Score

A recent study shows one-third of all Americans are suffering the consequences of having a low credit score.... read more »

Steven Tumulski

By: Steven Tumulski • 6/17/13

Blog

100,000+ views

3 min read

3 Ways to Live Well with Bad Credit

3 Ways to Live Well with Bad Credit

We live in a society where those with good credit scores are at an advantage. They pay lower interest rates and... read more »

Steven Tumulski

By: Steven Tumulski • 6/15/13

Blog

100,000+ views

3 min read

How Important is Your Credit Score?

How Important is Your Credit Score?

Everyone wants a good credit score, but why? Sure, you’re far more likely to be approved for a loan if you have... read more »

Steven Tumulski

By: Steven Tumulski • 6/8/13

Study

100,000+ views

1 min read

Checking Credit Card Receipts Could Affect Your Health

Checking Credit Card Receipts Could Affect Your Health

It seems everything leads to cancer, these days. You can’t do too much of anything without putting yourself at some... read more »

Steven Tumulski

By: Steven Tumulski • 5/27/13

Guide

100,000+ views

5 min read

How to Buy a House with Bad Credit

How to Buy a House with Bad Credit

Home ownership is the American dream. However, as we’ve recently covered, about one-third of Americans won’t... read more »

Steven Tumulski

By: Steven Tumulski • 5/24/13

Study

100,000+ views

1 min read

26% of Consumers Find at Least One Error on Their Credit Reports

26% of Consumers Find at Least One Error on Their Credit Reports

In 2004, Congress initiated a 10-year project to study the accuracy of the credit reporting industry. The results... read more »

Steven Tumulski

By: Steven Tumulski • 5/6/13