Used wisely, credit allows for the convenient purchase of items both big and small. Used unwisely, credit can, and has, led to home foreclosures and bankruptcy. Learn to use credit and debit cards smartly and improve your credit score.

  • Any credit repair company that promises to remove legitimate bad debts from your credit history is lying. Under the Consumer Credit Protection Act, such information remains on your credit report for about seven years.

  • The disappearance of bad credits, if any, is only temporary. For help, check out the National Foundation For Credit Counseling.

  • However, having said that, a good credit score is your passport to competitive interest rates for mortgages, cars, credit card offers, job offers, insurance premiums and more. A strong score is worth it because it saves you money.

  • Go for a card that allows you to manage everything online so you stay under control, like this one www.hsbc.com.au/1/2/personal/services/credit-card-online.


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5 Ways to Spare Your Credit and Avoid Bankruptcy

Thursday, March 9, 2017, PM | Leave Comment

Bankruptcy affords those in significant financial distress a clean start. However, the fact of bankruptcy remains on your credit history for up to a decade. If you seek to avoid the harm to your credit and ability to buy a home or other major ticket items, consider these tips to suppress your debt burden. No […]



Fresh Start: 3 Tips To Help You Rebuild And Recover From Bad Credit

Monday, January 16, 2017, PM | Leave Comment

A poor credit score can hurt your finances in a number of ways. A very low score could outright prevent you from acquiring needed credit like an auto loan or mortgage. Even if you do qualify for the loan, a lower score usually means that the terms of your loan will be harsher. You may […]



Commercial Credit Score Basics: What is It and How Can You Boost It?

Monday, January 16, 2017, AM | Leave Comment

If you are running a business, you are sure to have come across many difficulties. With the current climate of uncertainty in the fast-paced business world, it takes a lot of effort and caution to build a reputable, successful company. So, what exactly is a commercial credit score? It is, in layman’s terms – that […]



Saving Money and Repairing Your Credit Step by Step

Saturday, December 17, 2016, AM | Leave Comment

Having a low credit score can impact quite a few major decisions in your life. Over the years, those who have poor credit scores will often have their loan applications turned down or be forced to deal with unmanageable interest rates. Here are just a few of the ways you can start saving money and […]



Top 4 Resources For Vaulting Your Credit Score

Tuesday, November 1, 2016, AM | Leave Comment

Your credit score is like your financial report card. It tells potential lenders, landlords and others how well you manage your finances. If your credit score isn’t as high as it could be, you might be able to benefit from some resources out there that can help you improve it. Here are the top four […]



Bad Credit Blues? Easy Ways to Improve Your Score

Monday, May 9, 2016, AM | Leave Comment

If you have bad credit, it may be harder to get a loan, find an apartment or get good rates on car insurance. The good news is that you can improve your score in a few easy steps. Within months, you may be able to add dozens if not hundreds of points to your score, […]



Six Keys for Creating Good Lines of Credit

Thursday, December 17, 2015, AM | Leave Comment

Diversity is important when building solid lines of credit since it represents how well you manage risk. Quality lines of credit should include both installment and revolving lines. Installment loans are usually secured by collateral such as a mortgage or vehicle and revolving lines are mainly reserved for credit cards.  Installment business loans can also […]



Understand How Credit Rating Score Is Measured

Thursday, August 13, 2015, AM | Leave Comment

A credit rating is a simple number which many lenders use to determine whether or not they will give a loan or line of credit to an individual. In addition, the interest rates are different for different credit ratings. The higher the credit ratings, the lower the interest rate you might be able to get […]



Having Good Credit Can Be Sexy

Saturday, July 18, 2015, AM | 1 Comment

Having good credit can be sexy. Learn how you can make your credit as attractive as you possibly can. It allows you to purchase a nice home, car, vacation, clothing and a whole lot of everyday life things that usually have some kind of sex appeal to many folks. When your finances are in order, […]



How Much Does Your Credit Score Affect Getting a Good Mortgage?

Thursday, July 16, 2015, AM | Leave Comment

Your credit score is the most influential factor in determining your eligibility for a loan and the rate you will receive for your mortgage. Your credit score affects the types of mortgages you are eligible for, how much you will be able to borrow, and the rates you will pay on your loan. A credit […]



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