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 money because it saves you in excess costs.

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Credit Score Defines Your Credit Risk

Sat Apr 7, 2012, 2:00 am | Leave Comment

If you are looking to get loan of any kind or even apply for a job, lenders examine your credit score so they can establish your credit risk. They want to assess it to determine the amount of money they can lend you and the interest rate they can charge you. Whether you apply for … Continue Reading »



Credit Score Is Most Important In Getting Loan

Thu Mar 22, 2012, 2:00 am | Leave Comment

Your credit score is the most important item in your personal finances that may need to improve for getting loan on favorable terms. If you have good credit such as close to 800 or better, you can easily get credit for bigger amount and with a lot less interest rate. There are ways to improve … Continue Reading »



Less Spending And Debt Repayment Improves Credit Score

Wed Jan 25, 2012, 2:00 am | 1 Comment

If you have bad enough credit score that you cannot easily get loan, then you must restrain spending and start paying down your debt obligations. These two tasks alone can improve your credit score – slowly but surely. You must take control of your payments and the debt you have. Reports by the media indicate … Continue Reading »



3 Ways To Improve Your Credit Score In New Year

Mon Jan 23, 2012, 2:00 am | Leave Comment

First off, if your credit score is bad, remember to keep in mind that you didn’t get into this situation overnight. It takes months and years to get your score as bad as it is today. On the same token, you cannot improve on it overnight. So if a company tells you they can do … Continue Reading »



How To Improve Credit In The New Year

Thu Jan 5, 2012, 2:00 am | Leave Comment

One of the best ways to improve credit is to ask for your free credit report, study it and find ways to improve the credit score. This blog and quite a few others have tons of articles about how to go about it. We, the consumers, move throughout life without knowing what type of impact … Continue Reading »



Tips To Avoid Making Credit Mistakes

Fri Dec 30, 2011, 2:00 am | Leave Comment

You need to have a good credit score to take out a loan for mortgage, auto or perhaps even get a new credit card (make the last one a question mark). On these pages, I have talked about improving your credit score. This is yet another attempt – a reminder to avoid the obvious and … Continue Reading »



To Build Your Credit, You Have Options

Thu Dec 29, 2011, 2:00 am | Leave Comment

A nephew of mine is visiting from the old country. He just got his Green Card. He applied for a credit card at his bank but was denied. One of the credit report companies sent him a letter that he had no credit history. He must first build his credit history and then apply for … Continue Reading »



Tips For Improving Relationships With Your Creditors

Mon Dec 26, 2011, 2:00 am | Leave Comment

In this lousy market, many more folks have been contacted by creditors – credit cards, mortgage, bank loans and the like – in recent days and months. These good folks, because of the circumstances that are mostly not in their control, have been late in their repayment of loans. Here are tips to be proactive … Continue Reading »



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