Managing Credit and Debt Archive

Bad Credit now what

The best way to re-build credit is to pay outstanding past debts and pay future bills on time. Accumulation of payments, or debts, are calculated in national credit databases, which results in an individual’s credit …

How to Build your Credit

In order to build credit, you first have to get credit. The easiest way to get credit is to obtain a credit card. Although it is easy to obtain a credit card, this does not …

Eliminate Credit Card Debt

If you feel like keeping balances on huge amounts of bank cards, try reaping some benefits replacing bank card debt. Rather than sending the lowest payment possible on bank card balances that merely appears to …

Financial Basics

The true cost of credit concerns everyone, as the result of the credit crunch affects us all on a global scale. Making use of credit may leave you up to your eyeballs in debt if you don’t understand …

Government Assistance Programs that help Pay Bills

Several government assistance programs have been set up to help low-income families to pay rent and other bills. Most federal programs release assistance block grants to states, territories, tribal organizations, and non-profit agencies, such as …

Best Ways to Establish Credit

Those who are about to venture into the world or credit and loans may not find it as easy as they think to get a foothold on the rung. Gone are the days of easy …

What is a Bad Credit Score

Everyone has a credit history whether or not you have taken out any form of credit, such as credit cards, hire purchases, catalogues etc. Your credit rating or score will depend on how you have …

Understanding Credit Scores

A good credit score is important if you are planning to buy a car or purchase a home, and will need to apply for a loan or mortgage.  If you have won the lottery and …

Fair Isaacs Fico Score Challenged by Vantagescore

The Fair Isaac’s corporation is synonymous with the Fico credit scoring system. Fair Isaac’s has a market stronghold, which some would consider stranglehold, with 74% of lenders and financial institutions using its scoring system, whilst …

Best Ways to Repair your Credit

Having bad credit can prevent you from renting an apartment, purchasing a home and may even be a deciding factor in whether you are able to get the job of your dreams. There is no …

Dealing with Debt when Unemployed

Being unemployed can be a difficult time. Despite being out of work there are still bills and debts to pay and the financial aspect of not having a job can be incredibly stressful. It goes …

10 Steps to Improve your Credit Score

In the economically-fueled world of today, a bad credit score can close the door of opportunity before you even realize it happened. Do not despair; with time, diligence and consistency you can turn any credit …

Credit Score Improve Fast Free

In today’s world your credit score has become more than important, it has become essential. Everything from your car insurance rate to your chance of getting a job now hinges on the numerical value of …

What is Considered Bad Credit

Everyone these days is concerned with their credit score. A credit score is crucial in determining the level of access to a loan, and how much a loan will end up costing by determining the …

Consolidation Companies

Searching among debt consolidation companies can be very difficult in case you don’t know exactly what to look for. But don’t worry. The moment you find one that looks appealing, take time to study its …

Get Free Credit Report

It is important to have a good credit score as this simple number impacts your life in several ways, including simple tasks like applying for a credit card and getting a mortgage or a loan …

Learning from Bad Credit

It is said that only a foolish man never learns from their mistakes. but those who are wise, and have been hurt by their errors of the past learn quickly.  This is never more …