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

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Good Credit Score Is Passport To Competitive Interest Rates

Monday, December 31, 2012, 2:00 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, 2:00 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, 2:00 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, 2:00 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 […]

Understand What Doesn’t Affect Your Credit Score

Thursday, July 12, 2012, 2:00 AM | Leave 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, […]

The Dos And Don’ts Of Improving Your Credit Score

Wednesday, July 11, 2012, 2:00 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 […]

Tips To Establish Your Credit With Gas Credit Card

Wednesday, July 4, 2012, 2:00 AM | 1 Comment

If your credit is bad and you have been refused regular credit card, then there are ways to establish and rebuild your credit. One of which is to get a secured credit card. Another and probably easier way is to get gas charge card which can be used only at the gas station. That can […]

Credit Score Defines Your Credit Risk

Saturday, April 7, 2012, 2:00 AM | 2 Comments

If you are looking to get loan of any kind or even apply for a job, lenders examine your credit score so they can establish your credit risk. They want to assess it to determine the amount of money they can lend you and the interest rate they can charge you. Whether you apply for […]

Credit Score Is Most Important In Getting Loan

Thursday, March 22, 2012, 2:00 AM | 1 Comment

Your credit score is the most important item in your personal finances that may need to improve for getting loan on favorable terms. If you have good credit such as close to 800 or better, you can easily get credit for bigger amount and with a lot less interest rate. There are ways to improve […]

Less Spending And Debt Repayment Improves Credit Score

Wednesday, January 25, 2012, 2:00 AM | 1 Comment

If you have bad enough credit score that you cannot easily get loan, then you must 1) restrain spending and 2) start paying down your debt obligations. These two tasks alone can improve your credit score – slowly but surely. You must take control of your payments and the debt you have. Reports by the […]