Credit Scores and Loan Applications
Keep Your Credit History Clean - Remove A Negative Credit Record From Your Credit ReportIt can make a difference of up to 18% in loan repayment costs. For example, on a 30-year, $150,000 fixed rate mortgage, a borrower with the best credit score, 760-850, will pay 5.59%, or $860 per... Read More
The Things That UK Lenders Like to See on Your Credit File, (and? What They Don?t Like to See!)
Lenders are quite fussy about what they like to see on your credit report. So much so that you will have a hard time to meet their high expectations. But what exactly are they looking for? In this article we take a look at one aspect of your credit history... Read More
How to Avoid Credit Card Late Fees
Everyone hates late fees and being late will cost you dearly these days. For some credit cards today, if you are late, you will have to shell out as much as $40 each time. This can put a nice sized hole in your pocket really quick.Below, I will provide you... Read More
Which Credit Bureau Should I Use To Check My Credit Report?
There are three main credit bureaus in the United States; Equifax, Experian and Trans Union. Each bureau collects your personal and financial information which is then sold to lenders such as banks, credit unions, credit card companies, mortgage and auto loan lenders. Your credit report is the product of this... Read More
Credit Score - Reporting Your Financial Health
Credit score is one of the most basic, determining factor while loan borrowing. Credit score is the criterion for the creditor to ascertain whether to give you credit or not. Credit score is a powerful tool, if you what it is. Credit score is a three digit number which is... Read More
Why Credit Cards are a Bad Idea
Credit cards are just so convenient, aren't they? There's no need to carry any money with you ever again: you can just take one with you to the shop and pay the exact amount just by handing it over. If you haven't been paid yet, then you don't need to... Read More
How to Evaluate and Raise Your Credit Score
Why do some people get offers for pre-approved credit cards and others don't? What do car dealers know about your financial health that you don't know? The answer is your credit score.Your credit score is a number generated by a mathematical formula to estimate how likely you are to pay... Read More
How Does a Creditor Determine Whether to Grant You Credit?
Credit 101How does a creditor determine whether to grant you credit? For many years, creditors have been using credit scores and credit scoring systems to determine if you'd be a good risk for a loan or credit card. More recently, credit scores have been used to help determine what rates... Read More
Useful Tips When Choosing Credit Cards
Chances are you have received your share of "pre-approved" credit card offers in the mail, some with low introductory rates and other perks. Many of these solicitations urge you to accept "before the offer expires." Before you accept, shop around to get the best deal.Credit Card Terms:A credit card is... Read More
Understanding Credit Report Score
Understanding credit report scores is important when you see your credit report because you need to be able to make some sense of it.Your credit score is used by anyone loaning you money such as credit card companies, home loan lenders, auto loan lenders and finance companies. They all use... Read More
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Credit Cards And Loans - So Many Options - So Little Time
Credit Cards and Loans sounds like just two things, but... Read More
Do You Want to Get a New Credit Card at a Great Rate?
1) Do your homework. Applying for and getting approved for... Read More
What is Credit Counselling?
Ever wondered what is Credit Counselling? There are occasions when... Read More
Credit Card Security Advice
Which of the following is the biggest threat to your... Read More
Credit Education
Having credit education is like knowing how to read. It... Read More
Collection Agency Secrets for Collecting on Bad Debt
Getting worried that one of your clients, customers or patients... Read More
Home Loans ? Repair Your Credit Before You Buy
Before you take out a home loan or make any... Read More
Is it Safe to Use Online Car Finance?
Online car finance is convenient. You can apply over the... Read More
Negotiating Rates with Your Credit Card Company
Ok, let's face it, everybody hates high credit card rates,... Read More
3 Ways to Improve Your Credit Score by 50 Points In Less Than 30 Days
In Less Than 30 Days. "What can you do to... Read More
Finding Reputable Credit Card Companies
You're interested in getting the best credit cards for your... Read More
Ethical Finance: Who Benefits From Our Spending?
On one hand consumers are being universally criticised for running... Read More
Free Credit Reports - How to Maintain Your Credit Profile
Maintaining your Credit ProfileEvery consumer should be maintaining their credit... Read More
How You Can Help Prevent Identity Theft
How can I prevent Identity theft from happening to me?... Read More
Why Should You Use Credit Cards
Believe it or not, the way society, especially the commercial... Read More
What Are the Most Common Ways to Commit Identity Theft or Fraud?
It's the number one source of consumer complaints at the... Read More
Credit Score: The Brightest Feather In Your Financial Cap
Credit scores are the most important aspect that determines your... Read More
Errors on Your Credit Report: What You Should Do
There are times when you may be turned down for... Read More
Credit Problems? Heres How to Manage Your Creditors
If you find that creditors are calling you almost daily... Read More
Guide to Credit Terms
Listed below is a useful guide to credit card terms.... Read More
Dont Dig Your Own Pit
If you want to enjoy your life out of spending,... Read More
Finance - Money, Money
Finance is a big word for some of us. It's... Read More
How To Get Out Of Credit Card Debt
If you're like the average person, let me warn you... Read More
Credit Scoring: What You Dont Know Can Hurt You
You've probably heard the term credit scoring. You may have... Read More
Useful Tips on Using Credit Cards
Here are some useful tips on using credit cards. Whether... Read More
How To Boost Your Credit Score
Years ago your credit score was a big secret, known... Read More
Credit Card Disclosure Table ? Do You Understand It All?
In addition to the APR (annual percentage rate) and the... Read More
How to Improve Your Credit Rating
So you got into debt, had problems but you got... Read More
What is the Check 21 Act?
Check 21 is the common name for the Check Clearing... Read More
Credit Reports ? Why Your Credit Score is Important
If you have never heard of a FICO score before,... Read More
10 Tips To Prevent Credit Card Fraud
Imagine opening your credit card statement one morning and discovering... Read More
Credit Damage: Getting Compensated for Your Loss
Until recently lawyers for victims of credit damage had little... Read More
Credit Cards and How To Choose Them:
It may seem like a simple question but its important... Read More
Credit cards
If gold medals were awarded for marketing consistency, the credit... Read More
Dealing With and Repairing Bad Credit
Bad credit can be a burden for otherwise good credit.... Read More
Fixing A Credit Report
Fixing a credit report starts with seeing what's on it.... Read More
Do You Want to Get a New Credit Card at a Great Rate?
1) Do your homework. Applying for and getting approved for... Read More
Making Sense of Credit Card Fees
In addition to the APR (annual percentage rate) and the... Read More
Credit Card Expenses Are Killing Your Budget!
Do you know the costs associated with your credit card?... Read More
Trade Credit: How to Determine if You Should Offer Net-30 Terms to Your Customers
What is trade credit?One of the major differences between consumer... Read More
Credit Card Rates - Negotiating Rates with Your Credit Card Company
Ok, let's face it, everybody hates high credit card rates,... Read More
Why Your Credit Score is Important
Your credit score can either haunt you or reward you.... Read More
Building Good Business Credit After Bad Credit
Can you establish good business credit if you have bad... Read More
Credit Counseling Basics
Credit counseling is an option you might want to consider... Read More
Free Credit Reports Now Available From the FTC
The Federal Trade Commission (FTC) has set up a new... Read More
Rate Tarts Losing Ability to Cherry Pick
A "rate tart" is someone who switches from one zero... Read More
How Can A Qualified Mortgage Consultant Help Boost Your Credit Scores?
Consumers interested in purchasing or refinancing a home will pay... Read More
What You Need to Know About Interest Rates
For all people shop around for the best rate, there... Read More
Sound Advice For First Time Credit Card Users
If you are just entering the world of credit cards,... Read More
How to Get Credit Reporting Agencies to Help You
The process of clearing credit can be laborious and frustrating.... Read More
What Are the Most Common Ways to Commit Identity Theft or Fraud?
It's the number one source of consumer complaints at the... Read More
Why Credit Cards are a Bad Idea
Credit cards are just so convenient, aren't they? There's no... Read More
Identity Theft - How to Protect Yourself
"Like the tan? I got tons of sun on that... Read More
Collection Agency Secrets for Collecting on Bad Debt
Getting worried that one of your clients, customers or patients... Read More
Stop Credit Card Offers
You can stop receiving credit card offers in the mail!... Read More
Types of Credit Cards
There are a whole variety of different types of credit... Read More
Understanding Credit Card Penalties
Because most of us have one or two credit cards... Read More
10 Ways of Reducing the Risk of Identity Theft
1- Check your credit report regularly2- Secure personal information in... Read More
Good Credit -- Essential for the Prospective Home Buyer
Credit is a funny thing. It can be a useful... Read More
Minimize your Risk for Identity Theft
Identity theft is the fastest growing crime in America. According... Read More
How Your Credit History Can Affect Your Life
Your credit history is an important aspect of your life.... Read More
5 Ways To Raise Credit Score
It's not as hard as you think to raise credit... Read More
Check Your Credit Before Shopping For That Home Loan
Review Your Credit Score.Nearly every bank, credit union, and mortgage... Read More
Credit Report ? How Your Credit Score is Determined
Most consumers are aware that they have something known as... Read More
5 Surefire Ways To Eliminate Credit Card Debt
Do you have enormous credit card debt? You are certainly... Read More
Negotiating Rates with Your Credit Card Company
Ok, let's face it, everybody hates high credit card rates,... Read More
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