5 Common Credit Score Myths

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[…]

People with No Credit: 5 Tips on How to Establish It

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[…]

How To Build Up Your Credit Rating

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 To Raise Your Credit Score

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[…]

A Good Credit Report – The Key To Cheap Finance

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[…]

Debt Collection Agency

Your Debts and Debt Collectors

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[…]

Negative Credit Score

Negative Credit Can Affect Your Job Search

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[…]

Average Credit Score

An Average Credit Score – It Is Important When Borrowing

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[…]

Credit score report

Your Credit and Your Rights

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[…]

Credit Repair Company Online

Things To Look For In A Credit Repair Company Online

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[…]

Free Credit Report

Credit Report and Credit Score

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[…]

Credit Repair Services

Credit Repair Myths Exposed

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[…]

Fast Credit Repair

Some Steps Towards Credit Repair

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[…]

Are You Creditworthy?

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[…]

Signs Of Bad Credit

Some Signs Of Bad Credit

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[…]

Improve FICO Credit Score

Five Ways To Improve Your FICO Credit Score

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[…]

Improve Credit Report

10 Tips To Improving Your Credit Reports

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[…]

3 Major Credit Bureaus

3 Major Credit Bureaus – Which One Should You Contact?

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[…]