October 2009
Bad Credit Loans: Where Bad Credit Score is an Accepted Reality
Tip! Do not close old or paid off accounts. These show the credit history length and contribute to higher credit scores.
Whenever you apply for a loan your credit score undergoes a thorough scrutiny. The lender assesses your credibility as a borrower b...
September 2009
A Tenant with Poor Credit Score can Avail Loans Online
Tip! Paying your bills on time is the first step in improving your FICO credit score. Late payments can have a big negative impact on your FICO score, 30 days or more late on one account can lower your FICO score 50 points or more.
Are you a tenant wi...
August 2009
Improving Your Credit Score
Tip! Give yourself time. Time is considered one of the most significant aspects that can help improve your credit score.
When applying for a loan, lenders will evaluate your ability and willingness to repay your loan. Your ability to repay may be judg...
Free Online Credit Report and Score
Tip! Check your credit score online with one of the official companies to see what or why your credit score is the level it is. This will help you determine what you can really do to increase your credit score.
We all need to obtain a Free Credit Repor...
June 2009
Do Insurance Companies Really Check Your Credit Score?
Tip! Make every payment on time. This is the most important factor in your credit score rating.
With technology booming, the internet and how easy it is for companies to network into databases such as the “credit reporting” databases, more...
February 2009
What Does Your Credit Report Say About You
Tip! Send your letter by certified mail, return receipt requested so you can document what the credit reporting agency received. Make sure your letter is dated, and don’t forget to keep copies of everything you send.
Years ago as a youngster I re...
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...
January 2009
3 in 1 Credit Report - Getting a Copy of Your Credit Report and Seeing What Needs To Be Improved
Tip! If the information provider finds that there was no error, you can request that the credit reporting agency send a copy of the disputes with any report that is requested by creditors. You can also provide an explanation of a negative report in 10...
December 2008
Am I Entitled to a Yearly Free Credit Report?
Tip! The Credit reporting agency will forward the request to the information provider at which time they will review and investigate the request. If the information cannot be verified, then they must remove it.
If you are like many people all over the...
How You Can Obtain a Free Credit Report Online without Using a Credit Card
Tip! Also if you have been denied credit on the basis of information in a credit report, you are entitled to a free copy of your credit report from the credit bureau that supplied the credit report.
Everywhere you look there are advertisements and bann...
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
Free Printable Online Credit Report - Why You Should Obtain One?
Tip! It is possible that a very old credit records cannot be verified because records may no longer exist after 1 or 2 years on credit report.
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If you are like the many users, you are getting your personal credit report via the internet. If you h...
How Can I Get A Copy Of My Credit Report?
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...
October 2008
The Truth You Should Know Before Getting a Free Credit Report Online
Tip! Write to the credit reporting company about the incorrect and inaccurate information.
Don’t be scammed into getting by Free Credit Report on the internet. The companies that promote these free credit reports are in it for the money and ma...
September 2008
Bad Credit Personal Loans Help You Improve Your Credit Score
Tip! If you have paid off all your debt, and your credit score seems to be at a stand still, you might want to make small purchases each month with your credit card and pay them off immediately. Often times the credit bureaus like to see at least some...
How to Read an Equifax Credit Report
Tip! Check Your Credit Report. Make sure you know what your credit is like.
The Fair Credit Reporting Act (FCRA) requires each of the Nationwide Consumer Reporting organizations (Equifax, TransUnion and Experian) to provide you with one free credit re...
August 2008
July 2008
Credit Help for Real Estate Financing: Five Categories of Your Credit Score
Tip! An individual’s race, sex, age, level of education, or marital status has no bearing on a credit score, nor does the fact that an application for credit was previously turned down.
1. Payment History — 35%
The number of accounts paid a...
10 Ways To Boost Your Credit Score
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.
1. Deleting Errors in 48 Hours
This is the absolute fastest way to correct errors on your credit
re...
June 2008
Fair Isaac Corporation Credit or FICO Score
Tip! Always be aware of the type of credit you hold because credit from financing companies can affect your credit score.
As I am not from the US, I had no idea what FICO meant before researching it. FICO stands for Fair Isaac Corporation, a company ba...
Repairing Your Credit Score and Clearing Derogatory Marks on Your Credit Report
Tip! Always be aware of the type of credit you hold because credit from financing companies can affect your credit score.
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Raising your credit score can be a fairly simple and straightforward process unless you have derogatory marks that need to ...
Credit Repair: The Right Way
Credit Repair - Erase Bad Credit Now! Delete All Bad Credit Within 1-3 Months. Guaranteed. - I Will Show You Proof.
Repairing credit can be challenging and time consuming. It requires an agile and perserving approach and follow-up with credit reporti...
