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  • Why Your Credit Report is Important to You  By : Susanna Berlatsky
    If you live in the United States and have ever applied for a loan, and were approved, you have been assigned a credit rating by one or more of the many credit reporting agencies. Your credit rating is a written record of the loans you have received and your repayment history. If you have been late with payments, if you have missed payments, if you have defaulted - all of these acts will show up on your report.
  • Free Instant Credit Reports – Go For Hassle Free Tool to Know Your Credit Score  By : Douglas Farrago
    For the purpose of getting instant credit report, you can go for free instant credit reports online that provide credit report in no time to the person.
  • Ways To Increase Your Credit Score  By :
    Your credit report and credit score can serve you to evaluate your creditworthiness. There are several strong points that may bring about a weak credit score to be assessed by the top credit bureaus - too several debts or outstanding bills, bankruptcy, below par credit to debt relationship, not paying taxes, nonexistent loan payments and contradictory reports to collection agencies from a retailers.

    The greatest step to improve your credit score is to analyze the sources t...
  • How To Improve Your Credit Rating  By : Brad Stroh
    Your credit rating is something you shouldn’t take for granted. If left to spin out of control, it can cause serious repercussions that will follow you throughout your life. If your credit isn’t the best, or could use an improvement, here are a few ways how you can improve your credit rating.

    Make Payments on Time
    If you pay your bills late, you’re not only incurring late fees, but you’re also damaging your credit. And if you miss a payment, it’s even worse. Your payment ...
  • What You Should Know About Good Credit And Bad Credit  By : Connie Barker
    Although the vast majority of adult Americans (and many minors, as well) have some kind of credit to their name or have accrued debt, remarkably few have a strong understanding of how this affects them in their daily lives.

    Credit ratings are earned through the accrual of debt and how these debts are paid, be they paid on time, paid late, or if payments go into default. Typically, a person gathers debt in one of three ways: credit cards, automobiles, or homes. Most people...
  • You Are Your Credit Score's Worst Enemy  By : Jay Ashley
    When applying for loans, credit cards, or even trying to lease a new apartment your credit score is the major determinant of how well you will fair. Ironically very few people know what their credit score is and are not aware of the fact that they may be doing various things to hurt their credit score. If a high credit score is important to you, and it should be, beware of the following things to keep your credit score in check.

    Have you ever had one of those months where ...
  • Easy Steps To Maintain A Good Credit Score  By : Bradley Carson
    A good credit score can be an asset when you need it most. But if you don't regularly monitor your credit status, your credit score can become a liability. Have you checked your credit report lately?

    By law you are able to obtain a copy of your credit report free every 12 months from each of the three nationwide credit reporting agencies, Equifax, Experian, and TransUnion. The three companies have formed a central agency so that you can request a copy from all of them at o...
  • How To Build Up Your Credit Rating  By : Peter Kenny
    If you have just come out of college or University 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 easy. All you need to do is go through these easy to follow steps and you can quickly build yourself a good credit history:

    Get a bank account

    Although bank accounts...
  • Credit Rating: What Is It And Why Should I Pay Attention?  By : Hallidae Thomason
    Far too few people know about something that has a huge impact on their life—their credit rating. They often learn about it after it is too late and pay dearly for it. You see you start forming your score as soon as you become a regular consumer which for a lot of people is during High School and for most is at least by the time they enter college. The problem is that they don’t know what this mysterious entity is all about and make decisions that they rue financially. It rea...
  • Increase Credit Score – How Do Credit Scores Work?  By : Carrie Reeder
    Although many mortgage companies and finance experts have been warning consumers about the importance of maintaining a good credit score, many people fail to recognize the value. When applying for any type of credit, potential lenders review our credit history and base loan approvals on its contents. If applying for instant credit, lenders simply use credit scores. Here are a few tips to help you understand how credit works, and tips for boosting your personal rating.

    The ...
  • County Court Judgements Explained  By : Nicholas Hunt
    County Court Judgements or CCJs will have a serious impact on your credit rating, making it more difficult to obtain finance. What are CCJs, and can you do anything about them?
  • A First Step To Initiate A Good Credit Rating  By : Bradley Carson
    One of the first things young adults need to know when they're just starting out on the road to the rest of their life, is how important it is to build and maintain good credit. In the world we live in today, your credit rating is the basis of how you are treated by the big businesses you will find you need to work and deal with in your day-to-day life.

    It doesn't matter if it's renting an apartment, applying for insurance, a car loan, or even a credit card, your credit ra...
  • Free Credit Report And Score - How To Receive A Free Credit Report  By : Carrie Reeder
    Each consumer with credit history should obtain a copy of their report annually. The cost of credit reports vary. If obtaining a copy from the credit bureaus, consumers may pay $15 per bureau. However, some online credit agencies advertise low cost credit reports. Rather than paying for a credit report, consider obtaining a free report.

    Who Qualifies for a Free Credit Report?

    By law, each consumer is entitled to one free credit report each year. Although reports are fre...
  • How Credit Card Balance Transfers Can Affect Your Credit Score  By : Jake Rustenhoven
    Transferring balance from a high interest credit card to a new lower interest card can definitely save you money on interest, if nothing else at least until the introductory rate ends (if applicable). We all receive those infamous credit card offers in the mail, urging us to apply for a new card and transfer our high interest balance over, in order to take advantage of the lower interest rate that this new card has to offer.

    This seems like a logical thing to do, right? I ...
  • How To Get Your Credit Score For Free  By : Stu Pearson
    Want to know how to get hold of your Credit Score for free? Here you’ll find some tips and advice from an attorney.

    The first thing to know is that you need to be truthful, but still cover over the bleakest part of your finances and accounts. Go into detail on any sickness, discharge, accidents, recovery and back taxes.

    When you need to consider a bankruptcy, consider carefully. It is best if you don’t incur any other debt or credit after declaring, because if you do, y...
  • How To Improve A Low Credit Score  By : Jake Rustenhoven
    Do you have a low credit score?

    If your credit score is below 700, you may not qualify for some of the best interest rates on credit cards, loans or mortgages. This means that just by having a credit score of 695, instead of 725 (just an example), you may end up paying thousands more in interest on any new credit you are granted, which you can avoid by just taking some simple steps to increase your credit score before applying for a new personal loan, auto loan or mortgage...
  • The Easy Way To Improve Your Credit Score  By : Stu Pearson
    Nothing can create a spectacular sudden jump in your credit score. Developing a firm credit history will take time. There are no quick fixes in keeping up a good score. Improving your credit may not be quick, but there are some things you can do to improve your credit, the most important being that you raise your credit score by signifying that time after time you deal with your finances reliably.

    If you want to improve your score, you need to pay your bills on time. it is...
  • Five Tips For Building A Good Credit Score  By : Stu Pearson
    Improving yourself is always a good thing. If you thrive hard to become a better public speaker, you can might yourself a promotion. Exercising and going to the gym can help you lose weight and have the figure you have always wanted. But the best thing of all is improving and building your credit score ‘ this can help you save hundreds and thousands of dollars on your biggest purchases.

    For some, it may be hard to keep up a good credit score but actually, improving credit ...
  • The Easy Way To Build A Good Credit Score  By : Stu Pearson
    If you want to have a good credit score, you need to be very decisive and flexible at all times. Although there are some people who have large credit lines, this does not mean that they can always handle their debts properly, resulting in bad credit.

    If you’re applying for credit, be sure that the consumer reporting company who processes the application uses accurate information in your credit report. If there are any disputes, you must be sure to ask them to include copie...
  • Top Tips To Improve Your Credit Score  By : Stu Pearson
    Improving your credit score is very important and it can help you save money. Your credit must be in good standing so that you can open credit accounts when you need them. Good credit will help you get the best interest rates too.

    Your credit score will be based in how well you can pay your bills and loans on time. You must keep your credit healthy and pay promptly. If you have a high score, lenders see you as a better risk, and are willing to give you more credit at bette...
  • 5 Easy And Quick Ways To Improve Your Credit Score  By : David Z
    Your Credit Score is one of your biggest financial assets. If your credit score is high, your borrowing rates will be low and therefore save you hundreds of dollars. The big mystery is how to maintain a high credit score. Well if you want to either maintain or repair your credit score, you are in luck, it can take as little as two months to raise your credit rating.

    Your credit score is based on a few prime factors, there is no particular order in which I will discuss them...
  • What You Can Do To Improve Your Credit Score  By : Joseph Kenny
    It is hard to watch television these days without hearing about credit scores. If you are not looking to get a loan or credit card, you may be wandering whether or not they are important. Your credit score is important, regardless of whether or not you plan on applying for a credit card or loan. In this article I will explain what a credit score is and why it is important.

    What Is A Credit Score?

    Your credit score will determine whether or not you'll be approved for a m...
  • Improve Credit Score – Ways To Raise And Protect Credit Score  By : Carrie Reeder
    When a potential creditor pulls your credit report, they will learn your employment, address, and credit history. Details about credit history are their primary concern. For this matter, it is important to maintain a good payment history with creditors. This will likely result in a better credit score, which affords better financing options.

    If your credit score is low, making an effort to raise your score will serve to your advantage.

    Benefit of Regular and Timely Paym...
  • Are You Credit Worthy?  By : Paul Babs
    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 is going to pull your credit report to determine whether or not you are a good credit risk. Not everyone is a good credit risk—but there is something you can do to make sure you become one.
    ...
  • Your Credit Scores Again  By : J Schipper
    It's important for every consumer to learn what a credit score is and how to improve it. Most consumers do not know what their credit scores are, but these scores are used in dealings with such diverse agencies as credit card companies, home equity lenders, auto loan lenders, and finance companies when considering appications for credit or loans.

    Credit scores are usually calculated by a computer model created, most often, by Fair, Isaac & Company (or "FICO," leading to th...
  • What You Need To Know About Your Credit Rating  By : Mark Lambie
    Every time you apply for a credit card, loan, finance or a mortgage your credit history will be checked. This gives the lender information from which they decide whether they feel you are likely to make your repayments and so whether or not to provide you with the funds you have requested. There are many ways in which you can have inadvertently damaged your credit rating and so it is advisable to gain a copy of your credit report if you are considering a mortgage or large loa...
  • Understanding Your Credit Report  By : L. Sampson
    Your credit report can be one of the most important pieces of information when it comes to your financial health. It is important that you have an understanding of all that it contains and how it relates to future credit you may apply for.

    Your credit report says a lot about you

    Your credit report tells a lender what kind of borrower you are. It tracks late payments, collection requests, and bankruptcies. It also tracks on time payments, loans that are paid off, and acc...
  • Free Credit Report And Score - Why You Need Them Both  By : L. Sampson
    You keep a record of how much money is in your checking account. Chances are, you keep a running tally in the back of your check book and you balance that with the statement the bank sends you each month. As important as it is to know how much money you have available before you write a check, it is equally important to know your credit score and what is on your credit report. Not knowing these things could cost you money.

    A credit score helps predict how credit worthy you...
  • How To Read A Credit Report  By : L. Sampson
    Navigating a credit report can be a bit confusing but it is important to understand how all of those numbers affect you whether or not you are considered credit worthy. A credit report is broke into four basic sections and each one is important to your credit score.

    The first section contains your identifying information

    This is just the basic information that identifies who you are. It can include a list of addresses where you have lived, your name and any other names ...
  • Free Personal Credit Report Online- What To Do With Your Report Once You Have It  By : L. Sampson
    Chances are you have seen ads online for free personal credit reports. You may have even clicked on one and received a copy of your credit history. Now that you have all of this information, do you know what to do with it?

    Check for inaccuracies

    It is very possible that some of the information contained on your credit report isn’t accurate. It can be something as small as an address you no longer live at or something as big as a debt you paid off being reported as outst...
  • Why Knowing Your Credit Score Can Save You From Bankruptcy  By : Brandon C. Hall
    Having a copy of your credit score can most often mean the difference between going deeper into debt and getting out of it. Because most people do not keep track of their credit score, they often go into deep debt without even realizing it. Every time you are late making payments to a creditor or skip one all together, you are subjected to loosing points on your credit score. Your credit score is used to show creditors and lenders how much they can trust you to pay back your ...
  • Why Getting Your Credit Report Can Save You From Bankruptcy  By : Brandon C. Hall
    If you have bad credit are not really sure if your credit score is good or bad, you should get a copy of your credit score. The average person will have to get a copy of their credit report sooner or later if they want to get pre approved for a mortgage loan or a car loan. Getting a copy of your credit report can mean the difference between you getting approved or rejected. So many people these days do not think to check their credit report they try to get a loan and that can...
  • Myths And Truth About Credit Score.  By : Simon Fox
    Credit score is the key factor determining approval of almost any type of credit. It is based on the information contained in your credit report files. The widely used FICO score was developed by Fair Isaac Corporation, and it is a formula which assesses your potential credit risk.

    The information used to calculate credit score can be broken down into five major parts. Your payment history with banks and other lenders will account for 35% of the score, the amount of money...
  • How To Get A Free Credit Report & What It Means To You  By : Daphne Succes
    If you are applying for a credit card, mortgage, car or personal loan, you should be familiar with the information included in your credit report. You are issued a number, known as a FICO score, which is calculated based on your previous payment history, number of debts with a balance, recent credit inquiries, and balance to available credit ratio.

    Many consumers are aware that they can obtain a credit report, for a fee, from the three major credit reporting agencies. Thes...

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