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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Understand What Doesn’t Affect Your Credit Score

Thursday, July 12, 2012, 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, 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, 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, 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, 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, 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 […]



3 Ways To Improve Your Credit Score In New Year

Monday, January 23, 2012, AM | 1 Comment

First off, if your credit score is bad, remember to keep in mind that you didn’t get into this situation overnight. It takes months and years to get your score as bad as it is today. On the same token, you cannot improve on it overnight. So if a company tells you they can do […]



How To Improve Credit In The New Year

Thursday, January 5, 2012, AM | Leave Comment

One of the best ways to improve credit is to ask for your free credit report, study it and find ways to improve the credit score. This blog and quite a few others have tons of articles about how to go about it. We, the consumers, move throughout life without knowing what type of impact […]



Tips To Avoid Making Credit Mistakes

Friday, December 30, 2011, AM | Leave Comment

You need to have a good credit score to take out a loan for mortgage, auto or perhaps even get a new credit card (make the last one a question mark). On these pages, I have talked about improving your credit score. This is yet another attempt – a reminder to avoid the obvious and […]



To Build Your Credit, You Have Options

Thursday, December 29, 2011, AM | Leave Comment

A nephew of mine is visiting from the old country. He just got his Green Card. He applied for a credit card at his bank but was denied. One of the credit report companies sent him a letter that he had no credit history. He must first build his credit history and then apply for […]





 

 

 

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