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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Credit Score Provides Snapshot Of Your Credit Risk

Thursday, March 10, 2011, 2:00 PM | Leave Comment

You borrow something, let’s say from your neighbor – perhaps a lawnmower – and at some point you return it. If you did not break it and returned it to its proper owner, next time, your neighbor will lend you the tool more happily. But if you broke it, did not bother to fix it, […]



9 Tips Of How To Take Better Care Of Your Credit

Tuesday, March 8, 2011, 2:00 PM | 5 Comments

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 […]



Get Your Free Annual Credit Report Now

Friday, February 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 […]



Improve Credit, Character And Eventually Collateral

Thursday, February 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 […]



Take Steps To Improve Your Credit Score

Friday, February 4, 2011, 2:30 AM | 10 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% […]



You Can’t Always Follow What The New Credit Card Laws Permit

Wednesday, March 17, 2010, 7:18 AM | Leave Comment

We have all heard and read stories about the new credit card laws – Credit Card Accountability, Responsibility and Disclosure – frequently know as CARD – Act. Let the credit experts point out the good, the bad and the ugly in the legislation that went into effect on February 22, 2010. Smart Money on its […]



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