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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Top 4 Resources For Vaulting Your Credit Score

Tuesday, November 1, 2016, 6:00 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, 6:00 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, 6:00 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, 6:00 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, 7:30 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, 6:00 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, 6:00 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, 1:00 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, 1:00 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, 1:00 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 […]



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