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 Interesting Bad Credit Statistics

Friday, November 13, 2020, 6:00 PM | Leave Comment

Your credit history (and credit score) has a massive bearing on your financial capabilities. It determines most of the factors that go into deciding whether you qualify for financing and loans. However, it’s surprising to know that many people do not stay informed of these elements. To be credit-educated, there are specific trends you need […]



How can I improve my Credit Score?

Monday, October 5, 2020, 6:00 PM | Leave Comment

It’s always advisable to keep your credit score on the higher side. You never know when you might need a loan, financing capabilities, credit solutions, etc. If your credit score is low, you have to deal with more paperwork, lower loan amounts, higher interests, inconvenient repayment schedules, etc. Regardless of your current financial position, there […]



3 Ways To Build Up Your Credit

Saturday, August 22, 2020, 6:00 AM | Leave Comment

Credit is the ability to borrow money from lenders with the understanding that you will pay it back in full on time, with a credit score indicating how credit-worthy a borrower is. The higher your credit score is, the more attractive a borrower you will appear to lenders, therefore making you more likely to be […]



How Credit Bureaus Generate Credit Report & Work to Fix Poor Credit Rating

Saturday, June 20, 2020, 6:00 AM | Leave Comment

Credit reports collected by the Credit Bureaus play a big role in fixing credit rating. This report helps one to examine the report and underline the mistakes on which you will work to improve. These are the three major credit bureaus: TransUnion, Equifax, and Experian. However, these bureaus work in a group but these are […]



6 Actionable Ways to Improve Your Credit Score

Thursday, April 30, 2020, 6:00 PM | Leave Comment

Many people don’t think about how their spending habits could be affecting their credit score until it’s too late. At the point they notice that their score is below average, they can’t get a loan to buy a house, a car, or even open a new credit card account. Credit scores are determined by a […]



Give Yourself Some Credit: 4 Credit Improvement Strategies

Friday, November 29, 2019, 6:00 AM | Leave Comment

If your credit score has taken a nose dive, don’t worry. There are several things you can do to raise the score more quickly than you might think. All you need is some will power and perseverance, and you can soon have the highest credit score you’ve ever had. Here are a few basic strategies […]



Credit Scores Falling Down? 4 Ways to Help Bring Them Back Up

Wednesday, October 9, 2019, 6:00 AM | Leave Comment

If your credit has suffered and caused your credit score to sink to an all-time low, there are several things that you can do to get back on track. Doing all the necessary footwork to raise your credit score will make applying for any future credit cards, mortgages or car loans much easier. Here are […]



Tips for Rebuilding Your Credit and Improving Your Credit Score

Wednesday, June 5, 2019, 6:00 PM | Leave Comment

A three digit number can make a big difference in our lives. While a low credit score can prevent you from borrowing money from a bank or financial institution, a high number can allow you to finance a car or house at a relatively reasonable interest rate. If your score isn’t as high as you’d […]



How to Repair Bad Credit

Friday, May 10, 2019, 6:00 AM | Leave Comment

The importance of a good credit score cannot be overemphasized. It will help you to qualify for lower interest rates and better credit terms, pay less insurance premiums for your vehicle, get an apartment for rent, and even pay a smaller deposit for utilities when they are being installed in your house. On the other […]



How to Increase Your Credit Score by 100 Points in 6 Months

Thursday, May 2, 2019, 6:00 AM | Leave Comment

Whether you are planning on buying a house or just want to better interest rate on a car loan, increasing your credit score is the key to getting better terms and better financing rates. If you’re planning on increasing your credit score and you’d like to do it by at least 100 points in the […]