December 2008
Why Get a Free Instant Copy of Your Credit Report Online
Tip! It is possible that a very old credit records cannot be verified because records may no longer exist after 1 or 2 years on credit report.
If you’ve ever applied for a loan, such as a mortgage or auto loan, you probably know that you have a c...
November 2008
Auto Loans - Why Your Credit Score Matters
Tip! Pay with cash Using debit cards and cash are good ways to control your debt (and therefore maintain a great credit score).
Besides the purchase of your home, purchasing a car may be one of the most significant, important and valuable purchases ...
October 2008
End Credit Score Confusion - Discover The 5 Golden Rules To Proving Your Credit Worthiness
Tip! New credit - Applying for too much new credit is one of the easiest ways for people to inadvertently harm their credit score.
Your credit score is the key indicator used by lenders to predict your credit risk. The higher your score, the more credi...
Know Your Credit Score Before Applying for an Auto Loan
Tip! Give yourself time. Time is considered one of the most significant aspects that can help improve your credit score.
It is important to know what your credit score is before you apply for an auto loan.
Finding out your current score ahead of time w...
Instant Car Loans - Using Credit Score to Get a Lower Rate
Tip! Pay the minimum monthly payments. This will repair your credit score remarkably.
Smart car buyers know the advantages of getting pre-approved for a car loan before entering a dealership. Because dealerships have shady practices that involve chargi...
September 2008
Bankruptcy Credit Repair: 3 Bandages for Life after Bankruptcy
Credit Repair - Erase Bad Credit Now! Delete All Bad Credit Within 1-3 Months. Guaranteed. - I Will Show You Proof.
Millions of Americans are forced to declare bankruptcy every year, but even if you’re one of those people, you can begin immedia...
How to Repair a Bad Credit Report Legally
Credit Repair & Collection Agencies. Credit Repair & Debt Collections Help For Consumers.
Analyzing every detail of information on your credit report is an essential step to repair your bad credit. Always remember that your credit report cont...
Augment Your Credit Score Through Bad Debt Business Loans
Tip! Paying your bills on time is the first step in improving your FICO credit score. Late payments can have a big negative impact on your FICO score, 30 days or more late on one account can lower your FICO score 50 points or more.
A business is well ...
How to Read a TransUnion Credit Report
Tip! The credit bureau must prove each credit record on your credit report. If this is not possible, it must be stricken from the credit report.
The Fair Credit Reporting Act (FCRA) requires each of the Nationwide Consumer Reporting organizations (Equi...
August 2008
Credit Score, Insurance Score and the Cost of Auto Insurance
Tip! Pay the minimum monthly payments. This will repair your credit score remarkably.
While shopping for auto insurance, an individual always aims for lower cost of insurance. In that case a good credit score may help to lower the cost. Credit score i...
Senate Passes New Bankruptcy Law
Tip! It is also a requirement, for those wishing to obtain a bankruptcy home loan, to have a debt-to-income ratio of between forty-five to fifty percentile range.
The United States Senate passed a law on March 10, 2005 that changes the bankruptcy laws ...
What Does A Bankruptcy Trustee Do?
Tip! The first step in learning how to file for bankruptcy is to make a comprehensive list of all of your creditors and outstanding debts. When you are working to determine how to file for bankruptcy, you need to appreciate that if you to proceed with...
July 2008
Are You From the Old School of Bankruptcy?
Tip! The final step in considering bankruptcy is to actually engage the services of an attorney. At this juncture, you attorney will prepare a bankruptcy petition on your behalf that will be filed in the bankruptcy court.
If you are a product of the 7...
Tips On Buying a House after Bankruptcy
Tip! Obtain a copy of your bankruptcy and discharge papers from your attorney or the courthouse. This may include a copy fee.
Nowadays, people file for bankruptcy for a number of reasons. Some unexpected medical bills, the loss of a job or perhaps over...
June 2008
Credit Report - How to Improve Your Credit Score
Tip! Pay off debts to improve credit scores.
One of the great mysteries of life is how the three major credit bureaus (Experian, Equifax, and Trans Union) score credit. They all have secret statistical formulas for determining your credit score, but t...
Free Credit Report - Really
Tip! If you don’t see a creditor or collection agency on the credit report you know for a fact you owe money to, then you need to find any billing statements or collection letters you may have received. These statements and letters will have nece...
Debt Consolidation or Bankruptcy
Tip! Even if I file for bankruptcy creditors will still harass me and my family.
Over the last decade Americans have accumulated excessive amounts of debt. Partially fueled by low interest rates and increased equity on houses due to real estate markets...
Does DIY Credit Repair Stand Up to Reality?
Credit Repair - Erase Bad Credit Now! Delete All Bad Credit Within 1-3 Months. Guaranteed. - I Will Show You Proof.
There are dozens of websites, books, manuals, and companies providing free and paid information on DIY credit repair. The essential th...
Credit Reports - Why Your Credit Score is Important
Tip! Obtain a copy of your credit score report from one of the three major credit bureau agencies: Equifax, TransUnion or Experian.
If you have never heard of a FICO score before, you should become familiar wit...
May 2008
Common Credit Score Myths
Tip! Check your credit score online with one of the official companies to see what or why your credit score is the level it is. This will help you determine what you can really do to increase your credit score.
A lot of credit score myths about fico sc...
Repair Bad Credit Rating
Tip! Determine what you can cut back on. Credit repair means work and you will likely need to give up on some stuff so that you can improve your situation.
Bad Credit Rating limits consumers financially. You will find difficulties to secure loan or mor...
Effective Use of Your New Credit Card
Tip! If you are offered a store card and there’s an unbeatable opening offer on your purchase, take it. Then, if you can’t pay off the debt in one go, use your credit card to pay it off so that you at least get lower interest charges.
If y...
Credit Card Companies: Friends or Foe?
Tip! Teaser rate — Often called the introductory rate, it is the below-market interest rate offered to entice customers to switch credit cards or lenders.
When you start to think of all the different credit card companies out there you may start ...
Credit after Bankruptcy - Do you need it?
Tip! Why doesn’t everyone just call bankruptcy when everything gets too hard. Put simply, your credit is ruined.
Obtaining credit after bankruptcy is not so much the problem or the issue; the issue should really be, do you need it?
We all know th...
