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 …
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 …
Repairing your credit rating can be a long and painstaking process, particularly if you have a number of different creditors. But is it ever worthwhile paying a credit repair company to do the work for …
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 …
Are you worried about a bad credit rating? Are you thinking of applying for a mortgage loan, or another type of loan that requires a good credit rating? There are a few things you should …
Identity theft is the most prolific crimes committed today and it knows no boundaries. So by now most people know of the problem but are unaware of how it all got started. It’s basically what’s …
The FICO score ranges from 300 to 850. If your score is in the higher end over 720, you have excellent credit. While there is no way to know exactly how your score is calculated …
We can only win the good credit score game if we know the rules and play by them. Unfortunately the rules by which we are judged by banks and credit reference agencies are hidden in …
If you cannot imagine day to day life without depending on plastic then it signifies you are too dependant on credit cards and really ought to break free. Whilst everyone benefits from having a good …
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 …
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 …
It is essential to build a credit history early – as early as finances and maturity allow. Even if credit history cannot be maintained at "excellent," some credit history is better than none at all …
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 …
Credit repair can be a long and difficult process, often showing little result for a lot of time and hard work. Depending on the extent of the damage that you are trying to repair one …
Did you know that you probably have incorrect, outdated or incomplete information that appears on your report that can lower your credit scores? I know it’s a bit disturbing but it’s just the sad reality …
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 …
There are times when a potential tenant’s promises are just not enough to convince a future property manager the tenant can handle the responsibility of living in his rental property. Whether it be the tenant’s …
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 …
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 …
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 …
Many people today depend on their credit cards to survive. It’s not just a while thing, it’s a full on addiction – take away most people’s credit cards and what happens? Apart from getting the …
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 …
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 …
Identity theft is easily one of the fastest growing crimes. This is due to many reasons, especially the growth of computer use to store personal information. However, not all information attained by criminals are through …
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 …
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 …
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 …
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 …
Finding a suitable tenant who is reliable and has excellent references is the hope of most landlords, but their primary concern is ensuring the prospective tenant will pay the rent. Tenants will need to provide …
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 …