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computer identity theft

Identity Theft – Straightening Out Your Credit In The Aftermath

FBI statistics reveal that identity theft is one of the fastest-growing crimes in the United States, with about 1 in 5 families in the U.S. being a victim of identity theft.  Identity theft is obtaining   another person’s personal information (e.g., name, social security number, credit card number, passport) without that person’s knowledge and using that … Continue reading “Identity Theft – Straightening Out Your Credit In The Aftermath”

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credit score does it matter

Credit Scoring – Does it Matter?

If the borrower has a satisfactory credit history and the ability to pay timely payments, the borrower may be considered a prime borrower and rated as an “A” borrower. In this case, the loan will be closed using standard mortgage documents referred to as “A paper”.  If he does not qualify for an “A paper” … Continue reading “Credit Scoring – Does it Matter?”

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credit scoring

Understanding the Concept of Credit Scoring Models

Credit scores are used to determine the credit risk of loan applications. This is done using historical data as well as statistical techniques. The score can be used by banks to produce a rank for the loan applicants and borrowers in terms of risk factors. To build this model developers analyze historical data of previously … Continue reading “Understanding the Concept of Credit Scoring Models”

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How Often Should I Check My Credit Report

How Often Should I Check My Credit Report?

You may want to consider checking what’s on your credit report at least once a year. That’s right at least once a year get a copy of all three of your credit reports. You’ll want to know what each credit bureau (TransUnion, Experian and Equifax) have listed on your reports. You don’t want any surprises … Continue reading “How Often Should I Check My Credit Report?”

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How Do You Establish A Credit History

How Do You Establish A Credit History?

If you’re denied a loan or credit card because you have no credit history, consider establishing one. The best way is to apply for a small line of credit from your bank or a credit card from a local department store. Make sure you list your best financial references. Make payments regularly and make certain … Continue reading “How Do You Establish A Credit History?”

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bad credit affect

How A Bad Credit Report Affects Your Life

A low credit rating or bad credit report can negatively affect virtually every aspect of your life. Whether you are consistently late on your mortgage or utility bills or you are over your limit on your credit cards, bad credit can make purchasing on credit virtually impossible, and it can limit your lifestyle in many … Continue reading “How A Bad Credit Report Affects Your Life”

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Does Credit Score Matter

How Good Is Your Credit? Why Does It Matter?

Why is having good credit so important? Since today’s society is so financially-driven, establishing and maintaining good credit is imperative if you want to be able to do any of the following: 1. Apply for a job 2. Rent an apartment or buy a home 3. Open an account at a bank 4. Set up … Continue reading “How Good Is Your Credit? Why Does It Matter?”

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How to avoid bad credit

How To Avoid Bad Credit

Because we live in a society that is dependent on credit, having credit that is bad can make life very difficult. Many high paying jobs won’t hire you. Lenders are unlikely to give you a mortgage. Getting an unsecured credit card will also be hard, if not impossible. It is not a secret that many … Continue reading “How To Avoid Bad Credit”

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secured credit

How To Use A Secured Credit Card To Repair Your Credit

If you have ever had credit cards, paid a bill monthly, or obtained a loan, you have a credit rating. When you make payments to a creditor, they report these payments to credit reporting agencies that compile your credit report and track your credit history. If you miss a payment, or even worse, your debt … Continue reading “How To Use A Secured Credit Card To Repair Your Credit”

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annual percentage rate

How Important Is Credit Card APR?

As with most financial products, credit cards are usually heavily promoted on their interest rate or APR. The lower the APR, the more attractive it’s supposed to be to potential customers. But is APR really the most important feature of a credit card? Firstly, a sizable minority of people use their cards purely as a … Continue reading “How Important Is Credit Card APR?”

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worst Enemy

You Are Your Credit Score’s Worst Enemy

When applying for loans, credit cards, or even trying to lease a new apartment your credit score is the major determinant of how well you will fair. Ironically very few people know what their credit score is and are not aware of the fact that they may be doing various things to hurt their credit … Continue reading “You Are Your Credit Score’s Worst Enemy”

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How To Bounce Back From Bad Credit Ratings – Starting Today

Credit has a very important place in most people’s lives today. A good credit rating is essential for many of the things we do every day, such as, use a credit card, rent an apartment, qualify for financing for large purchase department store items, or buy a car, just to name a few. If for … Continue reading “How To Bounce Back From Bad Credit Ratings – Starting Today”

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How To Build A Solid Credit Rating From Scratch

Building a solid credit rating from scratch is not as difficult as one might think. The reality is that you can establish a decent Credit Score in as little as 3 months and have a solid rating around the 12-month mark. From that point, if you maintain proper borrowing habits, you can have an impeccable … Continue reading “How To Build A Solid Credit Rating From Scratch”

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Poor Credit Score

Credit Repair Tips – What To Do If You Have Poor Credit

If you have poor credit, you might feel the journey is impossible. It is possible to get a credit card if you have poor credit, but it may come at a costly fee. In most cases, people with poor credit or current debt problems often believe there is no escape. Mortgages are secured loans that … Continue reading “Credit Repair Tips – What To Do If You Have Poor Credit”

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build up credit score

How To Build Up Your Credit

There are many effective ways to build credit. In order to keep creditors from bothering you, and in order for you to get a loan with a reasonable interest rate, you need to learn how to build your credit. The best place to start is to not buy things that you don’t need. If you … Continue reading “How To Build Up Your Credit”

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how to get good credit score

How To Get The Right Credit Score

Imagine that you are going into a lender’s office prepared to apply for and receive a loan. You know what your credit scores are and you even got one score from each of the three major credit bureaus: Equifax. Experian, and TransUnion. You are shocked when your loan is denied, or maybe you were approved, … Continue reading “How To Get The Right Credit Score”

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Good Credit Score Is Important To Your Business

Why A Good Credit Score Is Important To Your Business

Do you know your credit score is? Do you even know WHAT a credit score is? Don’t feel bad. Most people don’t. Your credit score tells lenders the type of borrower you will likely be based on your credit history. Scores in the United States run between 300 and 950. The higher your score the … Continue reading “Why A Good Credit Score Is Important To Your Business”

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understanding credit facts

Understanding Your Credit Report

Your credit report can be one of the most important pieces of information when it comes to your financial health. It is important that you have an understanding of all that it contains and how it relates to future credit you may apply for. Your credit report says a lot about you Your credit report … Continue reading “Understanding Your Credit Report”

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bad credit mortgage

What Are Bad Credit Mortgages

The primary difference between a bad credit mortgage and a normal mortgage is that a bad credit mortgage is typically given to people who have a history of bad credit. Many people end up with bad credit due to bankruptcy, not making loan payments, or other issues. Others are taken to court or have been … Continue reading “What Are Bad Credit Mortgages”

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Credit Repair Organizations Act

What Is The Credit Repair Organizations Act?

By law, credit repair organizations must give you a copy of the “Consumer Credit File Rights Under State and Federal Law” before you sign a contract. They also must give you a written contract that spells out your rights and obligations. Read these documents before you sign anything. The law contains specific protections for you. … Continue reading “What Is The Credit Repair Organizations Act?”

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