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Today many people face the problem of establishing a sufficient credit history. It may seem quite easy to apply for a plastic. However, there is no guarantee that this or that credit card will be useful for building good credit. The fact is that plastics for no credit score are not so good, like those[…]
Credit scores are used to determine the credit risk of loan applications. This is done using historical data as well as statistical techniques. The score can be used by banks to produce a rank for the loan applicants and borrowers in terms of risk factors. To build this model developers analyze historical data of previously[…]
Your credit score is an integral part of your financial life. It is important that you understand what it’s all about. Lenders, landlords, insurers, utility companies and even employers look at your credit score. It is derived from what’s in your credit reports, and it ranges between 300 and 850. Yet, according to a survey[…]
This 3 credit report article was written to answer many of the most frequently asked questions, I hope you find all of this information helpful. A 3 credit report can be useful for a variety of reasons. There are three major credit reporting agencies: Experian, Equifax, and TransUnion, and each of them have their own[…]
If you are just starting out on building your credit, you want to be smart about building good credit from the beginning. Too many people rush into the world of credit and don’t stop to think about how their actions will affect their credit score and ability to qualify for credit in the future. So[…]
If you have just come out of College debt-free then you are extremely lucky. However, now that you want some credit you may find all paths blocked to you. Having no previous credit history makes it hard to borrow money. Although you cannot get a line of credit now, building a line of credit is[…]
How The AU Process Works to Boost your Credit Score CSI adds your name as an Authorized User (AU) on one of our high limit, low balance credit cards that also have a long and perfect payment history. An AU is someone who cannot use the account, cannot make any changes to it, nor do[…]
Is it really that important to raise your credit score? Maybe. Lenders have “break points” between scores that get you one interest rate or another. Suppose you have a score of 688, and the lender drops the mortgage rate by .5% at 690. Those two points can cost you an extra $20,000 in interest on[…]
Having a County Court Judgement or CCJ issued against you will have a severe impact on your credit rating, as it signifies that you have had serious problems paying back a loan or other form of credit, to the extent where your creditor has had to take court action against you to try and recover[…]
Is your credit report important? There are a lot of people who would not consider their credit rating as something too important to them in their life. There are others who, while recognizing its importance, would not be overly concerned about the issue or understand the reasons for its importance. Well, to those people, they[…]
Not many people spend too much time thinking about it, but every one of us has a computer file somewhere that contains all the information that makes up our credit history. This information will include our current and previous addresses, our income level, our outstanding debt and how much extra credit we currently have available[…]
The Fair Debt Collection Practices Act (FDCPA) applies to personal, family, and household debts. This includes money you owe for the purchase of a car, for medical care, or for charge accounts. The FDCPA prohibits debt collectors from engaging in unfair, deceptive, or abusive practices while collecting these debts. Under the Fair Debt Collection Practices[…]
Bad credit can affect your ability to get more credit. Did you know it also can affect your ability to get or keep a job? Employers often use a credit report when they hire and evaluate employees for promotion, reassignment, or retention. The military has been doing this for years for personnel that require a[…]
The average credit score is the rating that the 3 major credit bureaus assign to your credit report. It is based on your borrowing and repayment habits and depends on how much money you owe and how many times you have applied for credit. If you have a low credit score, there are ways of[…]
A good credit rating is very important. Businesses inspect your credit history when they evaluate your applications for credit, insurance, employment, and even leases. They can use it when they choose to give or deny you credit or insurance, provided you receive fair and equal treatment. Sometimes, things happen that can cause credit problems: a[…]
If it’s been a while since you’ve looked at your credit report, you may be surprised to find errors, mistakes, or even a black mark or two. Fortunately, a Credit Repair Company can help you fix those mistakes and erase those black marks. Watch out for scammers, though, and choose a reputable Credit Repair Company[…]
Credit Report and Credit Score is used to check the creditworthiness of a person. A credit score is based on the data provided by the credit report that indicates payment history, accounts, etc. Today many lenders and retailers take the help of credit report and credit score to lend credit. Credit report and credit score[…]
If you’ve done any searching on the Internet for information pertaining to “Credit Repair,” you’ve no doubt found that there’s a great deal available. Unfortunately, there’s also a lot of misinformation as well. Let’s take a look at some of the most common misstatements you’ll come across and examine them in detail. MYTH #1 “Credit[…]
The Fair Credit Reporting Act (FCRA) and the recent update to this law called the Fair and Accurate Credit Transactions Act (FACTA) protect consumers against inaccurate information being reported by credit bureaus and the privacy of that information. What does this mean to you? When you make purchases on a credit card, make payments to[…]
Credit is an essential tool to most people’s lives. A good credit rating allows for many things that we take for granted: having a credit card, being able to rent property, qualifying for in-store financing etc… If you fail to make payments towards a creditor this will affect your credit report collected by your credit[…]
Having good credit is essential in today’s world. Acceptable credit will generally get you what you want, but bad credit can be the kiss of death. If you want a house, you need a mortgage. If you want a car, you’re likely going to take out a loan. Anytime you apply for credit, the lender[…]
Many people within the world today experience the repercussions of bad credit and the numbers show no signs of slowing down. Bad credit does not just target the lazy person, it holds no discrimination as to whom it will target and it will not. Even those that are hard workers and have good intentions often[…]
You sit down to look at your credit report for the first time. If your scores are above 720, congratulations! You have excellent credit; stop worrying. If your scores are not above 700, no problem—let’s get to work. Take solace in the fact that the national average score is around 676 according to the Gallup[…]
Over 30 million people in the U.S.A. have credit scores low enough (less than 620) to make shopping for low mortgage loan rates very difficult at best. The major credit reporting agencies use a slightly different system to arrive at a credit score. The best known is called the FICO score, developed by Fair Isaac[…]
Credit is something that some take lightly or give little thought to until it’s really needed. There are 10 things that you can do to make sure that your credit is always in good standing so it will be available when needed. 1) Pay your bills on time. A consistent history of timely payments will[…]
There are 3 major credit bureaus that have information on your regarding your credit history. Anyone that has ever applied for a loan or credit of any kind has a file at one of the 3 major credit bureaus. Since merchants usually report to only one of the 3 major credit bureaus, you may have[…]