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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9 Tips Of How To Take Better Care Of Your Credit

Tue Mar 8, 2011, 2:00 pm | 1 Comment

We all know the economy is still in recession even though some economists have indicated otherwise. Unemployment is still quite high. Now, more than ever, one of the most important things you can do is take better care of your most precious assets – your credit. Having good credit has always created paths and opened … Continue Reading »



Having Good Credit Can Be Sexy

Thu Feb 24, 2011, 1:31 am | Leave 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, … Continue Reading »



The Good, The Bad And The Ugly Credit

Sat Feb 19, 2011, 7:25 am | 1 Comment

It’s very hard to establish a good credit in this extremely bad economy, some say the worst since the last Great/Worst Depression. It’s increasingly difficult to keep your head above water. However, there are ways you can build and improve your credit history. Understanding how different kinds of credit can give you the convenience and … Continue Reading »



Get Your Free Annual Credit Report Now

Fri Feb 18, 2011, 8:45 am | 1 Comment

It’s important to know your credit standing. Like fire, credit can be a valuable friend or a deadly foe. Used sensibly, credit can be a major asset in your business and personal life. Used carelessly, it can become your worst enemy. Take advantage of the free annual credit report. The credit report agencies are required … Continue Reading »



Improve Credit, Character And Eventually Collateral

Thu Feb 10, 2011, 2:59 am | Leave Comment

Most consumers when they get their credit card start charging everything to their card not realizing whether they would be able to pay it back within the due date. Many consumers just pay the minimum amount every month knowing fully well they would be paying the loan for many years to come. They seem to … Continue Reading »



Take Steps To Improve Your Credit Score

Fri Feb 4, 2011, 2:30 am | 2 Comments

In my family, we carry just two cards: American Express for travel related things such as gas at the pump. We also carry a MasterCard for groceries and clothes, etc. Amex used to give 5% rebate on gas, but, I guess because of the economy, they reduced the rebate to 3%. The MasterCard gives 2% … Continue Reading »



Understand What Doesn’t Affect Your Credit Score

Wed Oct 20, 2010, 4:00 am | 1 Comment

It’s important to understand what affects your credit score. It’s equally important to understand what doesn’t affect your credit score. Good credit score will help you get a loan and at a comparably lower interest rate. Higher score will get you lower rates on loans, credit cards, insurance, and mortgages. The higher your credit score, … Continue Reading »



The Dos And Don’ts Of Improving Your Credit Score

Sat Oct 9, 2010, 5:09 am | Leave Comment

You can improve your credit score by doing something but at the same time you can improve it by sitting tight and not doing anything. We all know a good credit score will not only get you a loan but with lower interest as well. If you are in the market for a loan whether … Continue Reading »



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