October 2009
Debt Consolidation Can Improve Your Credit Score
Tip! Obtain a copy of your credit score report from one of the three major credit bureau agencies: Equifax, TransUnion or Experian.
Carrying a large amount of debt can damage our credit rating, as we increase o...
September 2009
Personal Loans and Your Credit Score
Tip! Give yourself time. Time is considered one of the most significant aspects that can help improve your credit score.
Did you know that your credit score will most definitely impact the rate you pay on loans? That’s right, the higher your cred...
May 2009
Increasing Your Credit Score
Tip! My credit score will drop if I check my credit - Fortunately, this is a myth. If you check your own credit report it doesn’t harm your credit at all.
Over 30 million Americans have less than perfect credit report ratings. There are a lot o...
February 2009
Use Old Credit Cards to Raise Your Credit Score
Tip! If you are sincerely interested in improving your FICO credit score, bankruptcy MUST be avoided! Bankruptcy is more negative than late payments or collection accounts.
The popularity of switching credit card companies has grown in recent years and...
December 2008
What Credit Inquiries do to Your Credit Score
Tip! When reviewing your credit report, use the above listed areas of evaluation to help raise your credit score.
There are good and bad credit inquiries, some can take points off your credit score with each inquiry, while others have no effect...
Credit Score Facts
Tip! Do not apply for every car, credit card, and home that you are looking at as an eager consumer. Because every time you try to purchase a home, car, or get a new credit card your credit score is checked and the crediting agencies lower your score i...
November 2008
How to Increase Your Credit Score for a Home Loan
Tip! Manage your credit card balances. It’s best for your credit score if the balance on a given card is less than 50% of the limit on that card.
Since mortgage lenders are businesspeople, first and foremost, they need to determine ahead of time ...
October 2008
Credit Management : Your Credit Report and You
Tip! If you don’t see a creditor or collection agency on the credit report you know for a fact you owe money to, then you need to find any billing statements or collection letters you may have received. These statements and letters will have nece...
Credit Problems? Get A Dispute Credit Report Letter
Tip! In addition to providing your complete name and address, your letter should clearly identify each item in your credit report that you dispute. State the facts and why you are disputing the information.
If you obtained a copy of your current credit...
Top Credit Score Factors and Disputing Bad Credit
Tip! Pay the minimum monthly payments. This will repair your credit score remarkably.
Do you often have too much month left at the end of your money? While you strive to pay your monthly bills on time, computers are keeping a close watch on your perfor...
Low Credit Score Mortgage Refinance - Lock in a Low Rate with Bad Credit
Tip! Thoroughly review your credit score for errors or outdated information. Quite often, certain lending institutions are not due diligent on updating old information.
Even with a low credit score, you can refinance your mortgage for a lock...
Facts You Should Know BEFORE Using A Credit Repair Company
Tip! Determine what you can cut back on. Credit repair means work and you will likely need to give up on some stuff so that you can improve your situation.
Have you ever wondered about those ads you see from companies and law firms which offer to fix y...
September 2008
Credit Repair After A Bankruptcy
Tip! Asks you to pay for credit repair before services are provided. This is a direct violation of the Credit Repair Organizations Act, which states that credit repair companies can’t charge you fees until after they have completed the promised s...
August 2008
Alleviate Your Adverse Credit Score with Secured Loans
Tip! Always be aware of the type of credit you hold because credit from financing companies can affect your credit score.
Credit score plays an important role while a borrower applies for any loan. This credit score acts as a yardstick, on the basis of...
Understanding the Importance of an Annual Credit Report
Tip! Get a copy of your credit report. Take advantage of the free government credit report from each of the National Consumer Credit Bureaus: Equifax, TransUnion and Equifax.
Getting an annual credit report has been likened to getting an annual physic...
Credit Repair Business
Credit Repair & Collection Agencies. Credit Repair & Debt Collections Help For Consumers.
If you own or are looking to start a credit repair business, one thing you will definitely be needing is credit repair leads.
The benefit of buying cred...
Repair Credit Score With Adverse Credit Secured Personal Loan
Tip! Make credit repair your focus. You need to insure that each purchase you make is a wise one.
Is your adverse credit like an obstacle in obtaining a personal loan? If you are facing the same condition, then adverse credit secured personal loan can ...
Does Working With a Credit Counseling Organization Hurt Your Credit Score?
Tip! Instead of opening up a number of credit cards to raise a credit score, find a credit card with a low APR to consolidate onto one credit card. However, caution is advised on people with a short credit life in opening a number of credit...
July 2008
How To Read Your Credit Report
Tip! Many credit card companies will decide whether or not to issue you a credit card with a high limit based on your credit report. If in doubt they may not issue a card at all or issue a card with a very low limit or risk.
The Fair and Accurate Credi...
Debt Management Plans Rarely Useful as Credit Repair Tool
Tip! You are under no obligation to pay for anything in advance. All the services promised by a credit repair companies must be rendered before you have to pay them.
If you’re deeply in debt, many credit counseling agencies can assume responsibil...
How To Obtain A Credit Repair Sample Letter
Tip! Determine what you can cut back on. Credit repair means work and you will likely need to give up on some stuff so that you can improve your situation.
There is a great deal of consumers floating around in a sea of debt at the moment and a lot of p...
When You Are Eligible For A Free Credit Report
Tip! Residents of Colorado, Maryland, Massachusetts, New Jersey, and Vermont are entitled by state law to one free credit report from a credit-reporting agency per year. Residents of Georgia are entitled to two free credit reports.
By Federal law, you ...
May 2008
Auto Loan - How To Repair Your Bad Credit and Get Behind The Wheel Once Again
Tip! You are under no obligation to pay for anything in advance. All the services promised by a credit repair companies must be rendered before you have to pay them.
A good number of people have had the problem of buying anything that catches their fan...
Do You Know What's On Your Credit Report ?
Tip! Every negative credit record on your credit report can be negated by you at any time. The credit bureau must reinvestigate and if that item cannot be verified within a reasonable amount of time, that credit record must be removed from the credit f...
5 Things You Must Do To Reverse Credit Repair
Tip! Asks you to pay for credit repair before services are provided. This is a direct violation of the Credit Repair Organizations Act, which states that credit repair companies can’t charge you fees until after they have completed the promised s...
