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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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 […]



How to Fix and Raise My Credit Score

Wednesday, May 13, 2015, AM | Leave Comment

There are a lot of people looking for information on how to fix credit score. Without a legitimate score, it can be impossible to buy a new home, purchase a new car, and even obtain employment at a new job. There are so many things in life that are reliant on a person’s credit report […]



Credit Repair Demystified: Understanding the Purpose, Process and Perks of Getting Top Credit Repair

Saturday, August 16, 2014, AM | 3 Comments

How Did I Get Here? We live in the convenient and dangerous world of credit cards. Almost everyone has one for emergencies (real or perceived) and a good number have several others that they signed on for during one of those heady moments where proper judgment was momentarily impaired. Now, don’t get me wrong, credit […]



Low Credit Score? 5 Sure-Fire Ways to Boost Your Score, Fast!

Friday, May 9, 2014, AM | Leave Comment

Given the current sluggish economic conditions, many people have been struggling to maintain their financial state. However, for those looking to strengthen their conditions, one of the most expedient ways is to improve your credit score. This is easier than most people think by following a few simple steps. Whether you are looking to enhance […]



How Can I Fix My Poor Credit? Credit Repair Techniques & Tips

Friday, April 18, 2014, AM | Leave Comment

As the economy begins to recover, there are more people than ever that are staring at a poor credit report. The good news is that there are steps you can take to repair your credit and get your rating back up to a high level. The First Step in Credit Repair Before you start to […]



Six Reasons to Use a Professional to Repair your Credit

Sunday, December 1, 2013, AM | 1 Comment

Credit repair agencies are the experts in credit repair. While any consumer has the right to dispute negative items on their credit report, choosing to do this during your free time is like trying to repair your vehicle without the tools or the mechanical knowledge needed to do so. If you are trying to improve […]



Five Things To Know About Your Credit Score Before You Apply For Your Next Loan

Monday, November 25, 2013, AM | 1 Comment

The process of applying for credit is easy enough. You fill out a few lines on a form, present a copy of your drivers license, and the bank or retailer will then submit your application. Most people know this and have gone through the process before. However, many people will end up getting rejected for […]



Four Steps You Should Take Today to Improve Your Credit Report

Thursday, September 26, 2013, AM | Leave Comment

Whether you think about it or not, your financial history is all compiled into your credit report. The information in your credit report is then used to calculate your credit score, a number lenders use to determine whether or not you can get approved for loans and at what rate. For this reason, having a […]



Some Strategies To Follow To Take Care Of The Credit

Wednesday, September 11, 2013, AM | Leave Comment

Due to the present economic instability most of us have to take help of the different financial alternatives like payday loans, instant credits etc. and often we fail to pay off the credit within the given time frame. This, in turn affects our credit report adversely, as a result of which you don’t get a […]



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