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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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 […]



Simple Tips to Improve Your Credit Score

Tuesday, April 9, 2019, 6:00 AM | Leave Comment

Let’s face it, many of us struggle with credit issues at some point in our lives. A sudden job loss or an unexpected bill can often cause us to make some hard decisions. Choosing to buy groceries instead of paying your credit card bill is something that we may have to face in life. If […]



Don’t Think You Need a Credit Score? 4 Times High Credit is Essential to Building a Life

Tuesday, November 20, 2018, 6:00 PM | Leave Comment

It may not seem like it’s that important to establish your credit and to maintain a high score. There are a lot of benefits that having a high credit score could offer to you. Here are some of the ways that credit is an essential part to building your life.  Purchasing A Home The majority […]



Three Ways to Rebuild Your Credit

Tuesday, February 6, 2018, 6:00 AM | Leave Comment

People hurt their credit in a number of ways, and unfortunately it’s much easier to damage your credit than to repair it. Missing payments, failing to budget, and misusing credit cards are some of the most common ways you could end up in a bad situation with your credit. In order to identify past and […]



5 Easy Tips to Deal with Bad Credit Score

Wednesday, January 3, 2018, 6:00 PM | Leave Comment

Even though not too many people have a terrible credit score, there’s quite a lot of them who have what is referred to as bad credit score. According to PCI, any credit score that ranges between 580 and 619 is qualified as a low credit score. If you fall under this category, there’s no need […]



4 Choices to Consider When Your Credit Score Needs Improving

Wednesday, December 20, 2017, 6:00 AM | Leave Comment

Tough times happen to almost everyone at one point in their lives. If you’re experiencing financial difficulties or have in the past, you may have a difficult time getting financing when you need it because of a low credit score. You do still have options to improve your credit score even if you have a […]



Tips for negotiating with creditors and avoiding formal debt arrangements

Wednesday, December 13, 2017, 6:00 AM | Leave Comment

If you’re struggling to repay your creditors, informal negotiations could help you avoid having to enter an official debt procedure at a later date. It’s important to act quickly, however – being proactive in the face of debt not only demonstrates your commitment to repaying, it helps to prevent any further financial decline for yourself. […]



5 Steps To Increase an Existing Line of Credit

Saturday, September 16, 2017, 6:00 AM | Leave Comment

There are many instances wherein there comes a financial crunch. During this time, it is essential that you do not dwindle and think negatively. Yes, there is an urgent need of funds which is important to help you smoothen the proceedings. And the biggest question that comes to your mind is, how do I get […]