The 5 Basic Elements Of A Credit Report
In modern times, people apply for various forms of credit, whether to pay for their home mortgage, college tuition, or buy a new car and more. Many people also make purchases with credits, and many people today even own more than one credit card. However, a person cannot simply wish to receive credit as they…

No Credit History? How To Gain Your Credit Score
According to conventional definition, a credit score refers to a numerical expression, which represents the person’s credit worthiness. A credit score is generally based on a credit report that’s obtained from the major credit bureaus. According to the US Faire Credit Reporting Act, a person can get a free copy of their credit report from…

How To Repaid Your Credit Score In Less Than One Year
A person’s credit score is a very valuable number. It defines the individual’s credit worthiness, and allows or disallows a person’s access loans and other forms of financing. If you just found out how nasty your current credit score is, you may be thinking of ways to how to fix or rehabilitate it, in just…

How To Interpret Your Business Credit Report: 5 Tips
A business credit report is similar to a school kid’s “grades”, although the grades refer to a small, medium or large business entity’s dependability to handle its debt’s, as well as the ability to qualify for loan from creditors. Here are 5 helpful tips for interpreting and evaluating your business credit report. Payment History When…

Credit Score Monitoring And Starting A New Business
For those planning to start their own business, credit score monitoring is an important and “must-do” step, which helps protect a businesses’ ability to borrow from lenders, at competitive interest rates. In getting a deeeper understanding of the value of credit score monitoring, a business owner must first analyze how their business credit profile is…

Credit Monitoring Service: The Pros And Cons
A credit monitoring service is a facility which helps people effectively handle, and keep tabs on their credit history, to determine if they are viable for availing any form of financing. With so many credit monitoring agencies in operation these days, most of these are reputable, while some companies are nothing but pure scams, who…

Controlling Your Debt: How To Boost Your Credit Score
A credit score acts much like your high school report card. It features a three-digit “grade”, which reflects a person’s credit worthiness to potential creditors, banks, insurance companies, mortgage companies and even employers. The higher your score, the greater will be your chances of availing credit. Here’s how to control your debts, and boost your…

Building Your Business Credit Profile: 5 Top Tips
Each and every business entity today, whether small, medium or large, needs some credit to start, or maintain and expand their businesses. In order for your business to build a steady business credit profile, you need to employ a number of steps to ensure that your enterprise has a fresh connection with various established lenders…

Been Bankrupt? How It Can Hurt Your Credit Score
A lot of things can have a negative effect on a person’s credit score. Among these include late credit card payments, unpaid medical bills or apartment rentals, a really large debt load, and bankruptcy. During the past five years, more and more people have filed for bankruptcy, either because of the lingering recession, or because…

Basic Overview Of Credit Score Ranges
A person’s credit report is essentially an ongoing look at his or her personal information, and provides a deeper insight on how well the individual manages his or her finances, and pays their debts. The individual’s financial data is submitted to a credit reporting agency by creditors, debt collection agencies, the courts and other public…

5 Ways You Can HURT Your Credit Score
A lot of factors can do serious damage to your credit score, and it won’t only be limited to the irresponsible use of a credit card. Other loans and forms of credit also hurt your credit history, and may have serious effects on your financial health. Aside from credit card payments, other loans or bills…

5 Ways To Repair Your Credit Card Debt
A credit card is a small plastic, rectangle-sized card which has a magnetic strip that’s connected to a credit account, and allows the owner to buy various goods and services. While owning a credit card offers its benefits, the sad thing is that if you don’t use a credit card responsibly, you could face a…

5 Ways To Rebuild Your Credit Score After Being Bankrupt
Bankruptcy can be a very painful time for anyone. However, bankruptcy surely doesn’t mean it’s the end of the world for you. While bankruptcy can have a major effect on your credit score, it won’t mean that you’ll never be able to avail of credit again. While the recovery process may be quite long and…

5 Ways To Protect A Good Credit Score
Credit has been tough to obtain these days, especially with a moribund real estate industry, and a lingering recession that’s continuing to do a lot of damage to investor and consumer confidence. Whether you want to buy a new home or car, or wish to avail of a personal or student loan, it pays to…

5 Ways To Keep Your Credit Afloat During A Crisis
These are truly distressing financial times. With the mortgage crisis still lingering in the midst, and with interest rates continuing to soar, many are thinking of better ways for keeping their finances afloat during these dark economic times. Here are five surefire tips for keeping your credit afloat during a crisis. Keep Your Credit Score…

5 Ways To Dispute Discrepancies On Your Credit Score
A person’s credit score indicates how credit-worthy and financially responsible they really are. A credit report is usually sourced from the nation’s three major credit reporting agencies, which includes Experian, Equifax and TransUnion. However, the big three are not immune to errors and major flaws, and according to credit experts, these three agencies incur error…

5 Ways To Build Your Credit Score
Whenever you wish to get a loan, you need to know something about your credit score. A credit score is a number that creditors look at to determine your viability to get credit. A bad credit score can keep you from financing your kid’s education, or from buying a new home. Therefore, it’s very important…

5 Major Threats To One’s Credit Score
A person’s credit score is an extremely important tool, especially if the individual wishes to apply for a loan, or wants to get insurance. Maintaining a good credit score is crucial for maintaining a sound financial picture, since this allows the person to apply for loans without encountering too much hassle. Here are the 5…

5 Common Myths About Credit Scores
A person’s credit score is an integral part of his financial life. A lot of agencies and individuals regularly look at your credit score, from banks, credit unions, utility firms, landlords, insurers and even employers. According to a recent survey, half of Americans don’t exactly know how their credit scores are derived, or what factors…