credit score

Top Tips For Better Credit

January 12, 2011

Pay your bills on time. No brainer there but the surest way to quickly get bad credit is to miss a payment or be late. Don’t go near the max. Your maximum credit limit that is. Try to keep your debt below 20-25% of the credit that is available for you. Your debt to available [...]

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Free Credit Score

January 10, 2011

What used to cost you $15.95 is now free. As of January 1, 2011 lenders will be required to tell you the reasons why you may have been charged a higher interest rate and most commonly this is because of your credit score. For many years consumers have been able to receive free copies of [...]

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Ask For Info, Decrease Your Credit Score??

January 5, 2011

In an interesting article from the Huffington Post, an individual requested information from his mortgage servicer, Bank of America, about who actually owned his mortgage. He did this through a website called “Where’s the Note?”. As a customer you actually have the right to know who owns your note. However, after initially declining to tell [...]

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New Credit Score Rules

January 3, 2011

With the current economy and the real estate bubble that has been experienced of late, credit scores are becoming even more important, well, high credit scores that is. While the credit score cut off for getting the best rates and the best deals on financing used to be around 700 now it is getting higher [...]

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Credit Counseling, Debt Settlement Or Bankruptcy

December 24, 2010

If you have fallen behind on your credit obligations, you may feel like you are trapped and there is nothing much that you can do. And no matter what you do, your credit score and credit report will be affected. The question becomes how much will it hurt? While filing Bankruptcy can be painful and [...]

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Credit Scores Or Finances

December 21, 2010

Yes, it kind of is a “damned if you do and damned if you don’t” situation. And it is also true that doing what is best for you financially does not always equate to getting the highest credit score. For example, if you settle one of your past due debts for less than what you [...]

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No Spending Limits May Be A Problem

December 2, 2010

Depending upon how the company chooses to report to the credit bureaus a credit card with no spending limits may be detrimental to your credit score. If the card is reported as “open” it probably will not affect your credit score, however, if it is reported as “revolving” and the balance is set for the [...]

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Credit Report and Credit Score Repair For Everyone

December 1, 2010

Right now there are millions of people who are struggling with bad credit. The current economy has been damaging to many people’s credit histories. However, all is not lost. There are some things you can do to improve your credit scores and your credit reports. Your credit report tells your credit history, such as how [...]

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Improve Your Finances And Increase Your Credit Score

November 25, 2010

The current economy has caused millions of people to struggle with bad credit. However, there are some valuable steps that you can take to improve your credit report, increase your credit scores and get back in a good financial place. If you look at your credit report you will see a history of how you [...]

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Improve Your Credit Scores With Credit Repair Strategies

November 24, 2010

There are steps that you can take that can remarkably improve your credit and even if you have relatively good credit you can take some strategic steps in credit repair and increase your credit scores. When you have high credit scores you are able to qualify for credit and you are typically given the best [...]

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