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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Mend your Credit History with Personal Loans!

Saturday, July 20, 2013, AM | 1 Comment

There are so many ways for a person with a bad credit to repair his credit record. This can be done with a personal loan as well, apart from other means. However, there are both advantages and disadvantages while trying to improve the credit ratings using personal loan. If your efforts are channelized properly, you […]



The Good, The Bad And The Ugly Credit

Friday, April 26, 2013, AM | Leave Comment

It’s very hard to establish a good credit in this extremely bad economy – some experts suggest it’s in the state of recovery, others 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 […]



How Debt Relief Affects Your Credit Score

Tuesday, April 9, 2013, AM | 8 Comments

Getting out of debt can take years and there are many ways to achieve the same goal. Paying a little bit extra each month will get the job done but in reality, the goal of living debt free is a long ways away. There are alternatives that can speed up the process and get consumers […]



Why You Should Consolidate Your Credit Debt

Thursday, March 28, 2013, AM | 2 Comments

In this age, most of us have some kind of credit debt, whether we like it or not. Now we all know that this isn’t desirable, but there’s most probably nothing you can do that can make the debt magically disappear. Instead, a solution could be to consolidate your credit debt. For those of you […]



Lenders Check Your Record Before Granting You Credit

Friday, January 25, 2013, AM | 1 Comment

The credit record-keeping companies – there are three of them – retain your credit for more than six years, perhaps ten. All your personal credit history is taken down and kept in their computers. If you have taken out mortgage, credit cards, student loan, even mobile phone contracts that you may have with your wireless […]



Good Dating Needs Good Credit Score

Friday, January 4, 2013, AM | 2 Comments

There are articles floating around in the landscape of the Internet that raise the issues of good credit score resulting in good dating. It is becoming a trend on the dating scene to ask your date about his / her credit score. They want to know how reliable, responsible their date is; how they handle […]



Good Credit Score Is Passport To Competitive Interest Rates

Monday, December 31, 2012, AM | 3 Comments

If you want to go to another country, you have to have a passport. If you want good and competitive interest rates that you can live with easily, you have to have good-to-excellent credit score. That’s the basics of the financial borrowing and repaying loan of any kind. Without a good credit score, the lenders […]



7 Ways to Rebuild Your Credit after Bankruptcy

Friday, November 30, 2012, AM | 5 Comments

One of the primary concerns many people have when considering bankruptcy is how they will rebuild their credit once they file. Many are concerned that it will be years before they can apply for credit again or before they can buy a new car or a house. However, many people find that their credit actually […]



Improve Your Credit Score By Following Debt Rules

Friday, October 12, 2012, AM | 26 Comments

When your life starts revolving around debt and you start losing sleep over it, then you ought to confront it head-on with no excuses whatsoever. When you see credit coming towards you in the form of debt, you ought to take it on the chin. There is no such thing as getting off easy. You […]



How to Get Finance with Bad Credit

Monday, August 20, 2012, AM | 12 Comments

There was a time when banks gave the traditional installment loans to everyone who wanted one. But after various developments in the banking system it has become quite difficult and time consuming to borrow any amount from the banks as installment loans. The procedure for getting credit involves two major factors: Selecting the apt kind […]