Managing Credit and Debt Archive

What is Bad Credit

A credit score is what financial institutions rely upon in order to process your requests for things such as credit cards, car loans, mortgages, or personal loans. Your score consists of several factors that impact …

Student Credit Cards Taking the Plunge

Every eighteen year old has received that persuasive brochure in the mail, pushing the plastic option. However, are students, who still struggle to do their laundry by themselves, ready to take on full financial responsibility? …

What is Considered Bad Credit

“We regret we are unable to approve your application at this time.” Anyone who has applied for a new credit card and been rejected is familiar with that statement. The rejection is usually due to …

How to Improve Bad Credit

If you have blotted your copybook and bear the stigma of having bad credit, you need to work to improve it at the earliest opportunity. Bad credit can blight your future financial dealings as it …

Improving your Credit Report

Today much of your credibility is based upon the almighty credit report. Many large items you choose to purchase will require a quick look at this score. Each place of business will have guidelines to …

Identity Theft Protection Credit Monitoring

Identity theft cases are growing in number each year.  Thousands of American consumers have their identity stolen without even knowing.  Usually these consumers will only realize their identity was stolen when they go to open …

Importance of Regular Free Credit Report

Your credit score is one of the most important official records in your life. It determines whether you can get a loan or a mortgage. The approval of your credit card application depends on this …

Debt Collectors Calling me

If at any time you have had debts that you have not paid, then unfortunately you may have been victim to some of the sleaziest collection tactics used by UK debt collectors today. A simple …

How to Protect your Identity

Identity theft is a rampant problem that affects thousands of people every day. The problem will continue to grow if people do not act to protect their personal information and safeguard it from thieves. Following …

Bad Consolidation Credit Card

Do you want to eliminate your credit card debt? There are several ways available nowadays to help you do it.  One of these options for bad credit is a consolidation loan to eliminate credit card …

Understanding Credit Scores

Credit scores are continually evolving organisms. What many people do not know is that credit scores are calculated the minute that they are requested. Therefore, if any information in your credit file has changed, the …

Read Free Credit Report

Regularly checking your credit report is one of the best ways to prevent identity theft. These reports are available for free every twelve months from each of the three national credit reporting agencies, Equifax, Experian …

How to get Credit during the Credit Crunch

Due to the credit crunch lenders can be reluctant to give credit. During times of economic prosperity lenders are more likely to be generous than when financial crisis hits the nation. However it’s still possible to be …

Reducing Personal Debt

Personal debt reduction strategies The first thing to do to reduce debt is stop spending money you do not have. When you find yourself in a hole, the first thing is to quit digging. If …

Fico Credit Capacity Index

The Fair Isaacs Corporation which initiated the Fico credit score system is developing and selling a new range of analytical credit models to lenders. When lenders use these credit models it will give them a …

How much Credit is too much

I think the best way to answer this question is by looking at how successful people live. When I was about to graduate college, I spent some time trying to seek out several people in …

What is Considered Bad Credit

Bad credit could mean the difference between getting a prime loan and suffering through unfavourable loan deals or getting your loan application denied outright. As such, having a good grasp of what it entails can …