Friday 20 December 2013

How Does BAPCPA Affect People?

There are 2 sides to the adjustments in personal bankruptcy regulations known as the Bankruptcy Abuse Prevention and Consumer Protection Act or BAPCPA.
Since 2005, it certainly has been a whole lot more challenging to file personal bankruptcy under chapter 7 and obtain an absolutely tidy...
How Does BAPCPA Affect People?

My Credit Score Is Low, How Do I Fix It?

An essential factor that plays a crucial task in maintaining a clean credit history report is actually the contents of your credit history record. The credit rating record is practically the story of your financial life and could lead you to ask questions such as, “my credit score is low, ...
My Credit Score Is Low, How Do I Fix It?

Thursday 19 December 2013

What is Chapter 7 Bankruptcy?

Personal bankruptcy is a legally declared failure of companies or individuals to discharge their debts. In the United States, a debtor typically requests personal bankruptcy though in some cases a creditor may demand court action to deem someone as financially insolvent. Initiating a bankruptcy...
What is Chapter 7 Bankruptcy?

Wednesday 18 December 2013

What Credit Score is Needed for a Nebraska Furniture Mart Credit Card?

Nebraska Furniture Mart is a great place to go for beautiful furniture at a budget-friendly price. In addition, you can get a Nebraska Furniture Mart credit card to allow you to make payments while furnishing a room or your entire home. This store has just about anything you could need from...
What Credit Score is Needed for a Nebraska Furniture Mart Credit Card?

What Credit Score is Needed for a City Furniture Credit Card?

City Furniture is a major furniture retailer that offers products for the entire house, including mattresses and home accents. They even provide credit for anyone looking to buy now and make payments for the purchase. Instead of offering a City Furniture credit card, they provide financing for...
What Credit Score is Needed for a City Furniture Credit Card?

Tuesday 17 December 2013

Can You Get Loans For Real Estate Investments?

Second homes account for a full 40 % of all homes sold in the United States. According to a current yearly report by the National Association of Realtors (NAR), 27.7 % of all houses purchased were financial investment residential properties and 12.2 % were vacation homes.
If you are thinking...
Can You Get Loans For Real Estate Investments?

What Credit Score is Needed for a Jared Credit Card?

Jared is a well-known jewelry store that sells online as well as in a brick and mortar store. Customers who do not want to pay for everything they buy at once can apply for a Jared Credit Card. This allows them to enjoy their jewelry while paying for it. The Jared Credit Card can only be used...
What Credit Score is Needed for a Jared Credit Card?

What Credit Score is Needed for an eBay Credit Card?

[e]Bay is one of the biggest online marketplaces today. Buyers can find everything from clothing to cars, from music to vacations in this online store. They can also pay for those purchases with the eBay credit card, which is a MasterCard issued by GE Capital Retail Bank and earn rewards for...
What Credit Score is Needed for an eBay Credit Card?

How Can I Repair My Credit History?

Mending your credit history involves eliminating the unfavorable record info and catching up on your delinquent expenses. This can improve your credit history rating. It can be challenging to figure out where to begin. However when you obtain your goal of a better credit score, it will be worth t...
How Can I Repair My Credit History?

Monday 16 December 2013

What Credit Score is Needed for a Chevron Card?

Almost everyone is looking for a way to save money on fuel and the Chevron Credit Card helps you do that. You can buy gas whenever you need it and only pay once a month with the Chevron card. Plus, it allows you to enjoy benefits such as fuel credits that lower the cost of fuel for you.
There...
What Credit Score is Needed for a Chevron Card?

What Credit Score is Needed for an Ashley Furniture Credit Card?

Ashley Furniture is a popular national store with affordable brand name furniture. To buy it on credit, you can apply for the Ashley Furniture HomeStore Card. This card allows you to buy what you need and pay for it over time.
The Ashley Furniture Credit Card has no annual fee and often comes...
What Credit Score is Needed for an Ashley Furniture Credit Card?

Saturday 14 December 2013

What Credit Score is Needed for Slumberland Furniture Credit Card?

If you are looking for name brand furniture at affordable prices, you may consider Slumberland Furniture. The company carries everything from living room furniture to mattresses to home accents with names such as LaZBoy and Sealy as part of their product line. You can also sign up for the...
What Credit Score is Needed for Slumberland Furniture Credit Card?

Thursday 12 December 2013

What Credit Score is Needed for Ethan Allen Credit Card?

Ethan Allen is a furniture company that provides high-end, high-quality furnishings to customers. While these products are by no means inexpensive, they are designed to last for many years. The company does provide financing options to help with paying for purchases by offering an Ethan Allen...
What Credit Score is Needed for Ethan Allen Credit Card?

What Credit Score Do I Need to Lease a Hummer?

If you are seeking to lease a Hummer, your credit score is a major factor in determining if you will qualify. You will most likely need a credit score of at least 626. This would put you in the medium risk category. You will also have to prove that you have suitable income and a low...
What Credit Score Do I Need to Lease a Hummer?

Wednesday 11 December 2013

How High Does My Credit Score Have to be to Lease a Hyundai?

You should plan on having a credit score of at least 645 to lease a Hyundai. These are becoming very popular models with increasingly high resale values. While consumers don’t frequently think about how much a car will be worth when the lease ends, it’s a critical part of determining whether a le...
How High Does My Credit Score Have to be to Lease a Hyundai?

Tuesday 10 December 2013

How High Does My Credit Score Need to be to Lease an Infinity?

If you desire to lease an Infinity sedan or SUV, you’ll want to have a credit score of at least 690. Infiniti is a high-end, luxury brand with a relatively large sticker price. This can make dealers hesitant to lease to consumers with credit scores that dip far below 700.
Infiniti is the luxury b...
How High Does My Credit Score Need to be to Lease an Infinity?

Monday 9 December 2013

What Credit Score is Needed for Nissan Financing?

Nissan Motor Company Limited, or simply Nissan as it is often known, is a Japanese car manufacturer that has operations throughout the world, including the United States. It includes several models of cars, including the Versa, Altima, and Maxima. Most dealerships sell both new and used vehicles...
What Credit Score is Needed for Nissan Financing?

What Credit Score Do I Need to Lease an Isuzu?

Your credit score is one of the key factors that a dealer will consider when deciding whether or not to approve you for a lease. If you’re considering leasing an Isuzu, you should have a credit score of at least 600 and be able to show proof of employment.
A credit score can range from 300 to 8...
What Credit Score Do I Need to Lease an Isuzu?

Saturday 7 December 2013

What Credit Score is Needed for an LL Bean Credit Card?

LL Bean is one of the biggest names in outdoor wear, and the company offers the convenience of shopping with a rewards credit card to its customers. Since the card is an LL Bean Visa Credit Card, you can use it anywhere and earn rewards. It’s a card that offers many benefits to customers...
What Credit Score is Needed for an LL Bean Credit Card?

Friday 6 December 2013

What Credit Score Do I Need to Get a Delta Credit Card?

If you are looking at a Delta Credit Card, you will have several options to choose from. They offer Gold, Platinum and Reserve cards for the Delta SkyMiles Credit Card. The one you qualify for will depend on your credit history, but all of them offer special perks for members.
Delta gives its...
What Credit Score Do I Need to Get a Delta Credit Card?

How High Does My Credit Score Need to be to Lease a Jaguar?

Leasing a Jaguar will require a credit score of 718 or higher.
The Jaguar brand has been synonymous with sleek, sportiness for generations of drivers. The cars have the performance of a powerful sports car with the elegance that befits its luxury roots.
In 2012, Jaguar is celebrating its 75-year...
How High Does My Credit Score Need to be to Lease a Jaguar?

Thursday 5 December 2013

What Credit Score Do I Need to Get an Amazon Store Credit Card in 2013?

As one of the biggest online shopping stores, Amazon has plenty to offer its customers, including a store credit card with great financing terms. The Amazon Store Credit Card can be used for purchases that you buy through the site. This includes items in every department such as clothing, books,...
What Credit Score Do I Need to Get an Amazon Store Credit Card in 2013?

What Credit Score is Needed for a Marshall"s Credit Card?

Marshalls is a well-known clothing and home goods store that features a variety of classy, mid-level products. The store offers a credit card to its customers known as the TJX Rewards Credit Card. The Marshall’s Credit Card can be used at TJ Maxx, Marshalls and HomeGoods stores. There is...
What Credit Score is Needed for a Marshall"s Credit Card?

What Credit Score is Needed to Lease a Jeep?

Leasing a Jeep is possible with a credit score of around 660. In the current economic environment, you may be able to go as low as 600, but if you want to ensure you get the best terms, you really want to have a score that’s 650 or higher.
From the Patriot which retails on the Jeep site for $...
What Credit Score is Needed to Lease a Jeep?

Wednesday 4 December 2013

How High Does My Credit Score Have to be to Lease a Kia?

If you’re looking to lease a Kia, you should plan on having a credit score of at least 626. A credit score of 626 makes you a medium risk, but it should be good enough to get you into a Kia. Although largely considered a budget brand, they have been adding more value with features while still e...
How High Does My Credit Score Have to be to Lease a Kia?

Tuesday 3 December 2013

What Credit Score is Needed to Get a Williams Sonoma Visa Signature Card

The Williams-Sonoma Visa Signature Card is provided by Barclay. It allows users to earn points for gift cards and to pay for purchases. Card holders enjoy free online shipping and special discounts. In addition, they enjoy special concierge assistance when traveling or dining. Once you...
What Credit Score is Needed to Get a Williams Sonoma Visa Signature Card

What is the Best Credit Score for Leasing a Land Rover?

You’ll want to have a credit score of at least 730 to assure that you can get take advantage of the best pricing that can be available for a Land Rover. However because everybody’s credit score is weighted differently you may find that a higher number may be required, or you may be surprised to b...
What is the Best Credit Score for Leasing a Land Rover?

Monday 2 December 2013

What Should My Credit Score Be to Lease a Lincoln?

Leasing a Lincoln will require a credit score of about 670. Lincoln is the luxury car segment of Ford Motor Company. It was just recently renamed the Lincoln Motor Company to help consumers make a clear distinction between Lincoln products as opposed to Ford-branded products.
In recent years,...
What Should My Credit Score Be to Lease a Lincoln?

Friday 29 November 2013

What Credit Score Do I Need to Lease a Lotus?

A good credit score is critical to your ability to lease a Lotus. You should plan on having a credit score around 725.
Lotus premium sports cars are manufactured in the United Kingdom. These uniquely styled cars have a high retail value and, for that reason, are considered to be a real...
What Credit Score Do I Need to Lease a Lotus?

Thursday 28 November 2013

What Credit Score is Needed to Get a ToysRUs Credit Card?

Shoppers can earn points every time they use their Toys “R” Us credit card or MasterCard in the store or online. It works for both Toys “R” Us and Babies “R” Us purchases made in-store or online. The card for in-house purchases is the “R” Us credit...
What Credit Score is Needed to Get a ToysRUs Credit Card?

How High Does My Credit Score Need to be to Lease a Porsche?

It’s no surprise that you’ll need a good credit score to lease a Porsche with the best possible terms. You should plan on having a credit score at or above 710. Of course, the higher your score the better, but even if you have a lower credit score there may be options available to you.
Owning a P...
How High Does My Credit Score Need to be to Lease a Porsche?

Wednesday 27 November 2013

How Is A Credit Score Calculated?

For the purpose of this article we will discuss how a FICO credit score is calculated.  The FICO score is the most widely used scoring system by lenders deciding whether to loan you money to buy the house of your dreams for example.
How a credit score is determined is based on the information in ...
How Is A Credit Score Calculated?

Tuesday 26 November 2013

What Is FICO and How Does It Relate To A Home Mortgage?

If you have been shopping for a home mortgage loan, you are probably familiar with a term called FICO. In most cases, your FICO score will determine whether you can obtain a mortgage loan as well as the interest rate you will be required to pay. FICO, a computer software program designed by Fair...
What Is FICO and How Does It Relate To A Home Mortgage?

Car Insurance Credit Ratings: Why You Should Care

A harsh reality of modern economic times is the concept of car insurance credit ratings. Why you should care? Because you risk paying hundreds and even thousands of dollars more for an auto insurance policy. Pretty much every state and territory in the U.S. requires you to carry valid car...
Car Insurance Credit Ratings: Why You Should Care

Monday 25 November 2013

Do No Cost Balance Transfers Really Exist?

The following facts may make you reassess your perspective of those advertisements of absolutely no interest rate balance transfer deals. Charge card debt is rising at a scary rate and many individuals are now getting into severe economic trouble. One of the reasons is the advertising of no cost ...
Do No Cost Balance Transfers Really Exist?

Is a Credit Score of 727 Good?

Sometimes people wonder “is a credit score of 727 good?” Yes, once your credit score is in the 720s you have a better credit rating than at least half of the American population. However, getting your score above 750 should be your goal especially if you want to purchase a home or new motor veh...
Is a Credit Score of 727 Good?

Friday 22 November 2013

Is it Possible to Get Loans for a Credit Score Under 600?

More and more consumers want to know if it’s possible to get loans for a credit score under 600. The short answer is yes, it is possible. On the other hand, it can be said that it is not probable. In other words there is a chance that if your score is below 600 you might get a loan, though the c...
Is it Possible to Get Loans for a Credit Score Under 600?

Where Can I Find the Best Price for All 3 Credit Scores?

A question we’ve been asked to address is “Where can I find the best price for all 3 credit scores?” Notably the question comes only from consumers who know that there are 3 different credit bureaus! Unfortunately many consumers don’t realize that every credit-related financial action on their pa...
Where Can I Find the Best Price for All 3 Credit Scores?

Do I Need To Hire A Financial Planner?

The fight for monetary liberty isn’t really fair. Whatever type of twist you try to place on it, the path to comfortable living appears either long or impossible to attempt. Lots of people nowadays are investing copious quantities of cash visiting expert monetary coordinators for advice on...
Do I Need To Hire A Financial Planner?

Who Regulates Credit Cards?

In recent years, there’s been a lot of public outcry related to credit cards, credit reporting, debt collectors, and identity theft. Numerous federal and state agencies are devoted to protecting members of the general public from abusive entrepreneurs as well as common criminals. But answering t...
Who Regulates Credit Cards?

Thursday 21 November 2013

Where is the Best Place to Obtain a Credit Score?

The best place to obtain a credit score for anyone is from is one of the major credit bureaus. Depending on where you live, you will generally have more than one choice. In the United States for instance, there are three major credit bureaus who can give you a credit score rating. In Canada...
Where is the Best Place to Obtain a Credit Score?

Can My Annual Bonus Help My Mortgage Balance?

An annual bonus can be a wonderful windfall at the end of the year to do with as you feel free to. It could possibly go into cost savings, a special acquisition, reducing the balance on your credit cards or into your residence as a prepayment on your financing. When your home loan is computed or...
Can My Annual Bonus Help My Mortgage Balance?

How to Have a Bankruptcy Removed From a Credit Report

Most people who care about improving their credit score understand that bankruptcy is a serious matter that can greatly impact many aspects of your financial life. Even if a judge denied your bankruptcy or you changed your mind, you cannot legally execute the task of removing a bankruptcy from...
How to Have a Bankruptcy Removed From a Credit Report

Wednesday 20 November 2013

What is the Best Credit Rating Site for Americans?

If you live in the United States the best credit rating site for you depends on a few things. First of all, you need to know that in America there are three major credit reporting agencies, and each of them may have a different credit score for you. Different creditors use different credit...
What is the Best Credit Rating Site for Americans?

When Should I Consider Refinancing My Mortgage?

Possibly you are a very first time property buyer, or maybe you have been in your existing mortgage for many years; whatever the instance could be you must understand that it is always possible to get a better price on your home mortgage. Lots of people think that mortgage rate of interest are...
When Should I Consider Refinancing My Mortgage?

Are Credit Scores Dropping?

It is no secret that the economic recession of 2008 put people out of work and caused some people to be unable to pay their debts. But some people are slowly recovering from the unprecedented global economic changes that began in 2008. Thus, some people ponder the question of “are credit scores d...
Are Credit Scores Dropping?

Tuesday 19 November 2013

Can You Get Reputable Loans for Credit Scores Under 600?

You can get loans for credit scores under 600, but there are several things to consider before applying if your score is in that range. For one thing, many of the loans offered to those with bad credit histories charge notoriously high interest rates. Depending on the size of the loan, a...
Can You Get Reputable Loans for Credit Scores Under 600?

How Do I Get The Best Mortgage Refinancing Deal?

Refinancing can be irritating when you discover you have actually been swindled! Right here is an easy overview of help you save your money and have peace of mind. When you refinance, it’s so easy today to shed money unnecessarily. Hidden costs, terms you did not entirely know or a...
How Do I Get The Best Mortgage Refinancing Deal?

Are Credit Scores Public Information?

These days, a lot of people are concerned about what type of data is or is not for public consumption. For example, if you file bankruptcy any interested person can quickly access that information even long after your death. This leads people to ask questions like, “are credit scores public i...
Are Credit Scores Public Information?

Monday 18 November 2013

How to Get a Loan When Your Credit Score is 650 or Below

If you know your credit score is 650 you are well ahead of many in today’s world. The number of people who don’t know their credit rating or do not even know they have one is astounding. These same consumers are shocked when they are denied a loan or credit card, often having no idea why they wer...
How to Get a Loan When Your Credit Score is 650 or Below

What Is The Best Credit Score To Get A Car Loan?

Having access to a motor vehicle is a common dream these days and more often than not, a necessity. The process of securing an automobile can be quite a feat and requires you to make at least some type of financial investment. For most people, car loans are the financing sources which they must...
What Is The Best Credit Score To Get A Car Loan?

Are High Credit Scores Good?

Credit scoring is a confusing topic to even some seasoned financial experts. We commonly receive questions such as, are high credit scores good? A simple way to understand credit scoring is by comparing it to grades in school. The higher than number, the better off you are. So a resounding “yes” ...
Are High Credit Scores Good?

Friday 15 November 2013

How Can I Avoid Filing Bankruptcy?

There are numerous actions you could take in your efforts to improve your credit rating, remove your debt, and stay clear of personal bankruptcy. While bankruptcy is an excellent technique of helping you clear up your debt, it should only be utilized as a last resort. Bankruptcy stays on your...
How Can I Avoid Filing Bankruptcy?

How Are the 3 Credit Scores Different?

Many consumers pose the question, “How are the 3 credit scores different?” Between the three major credit bureaus there are a few different formulas used. Generally however they are quite similar in how they calculate a credit score. The main method of calculation is the FICO score, introduced by...
How Are the 3 Credit Scores Different?

What Are the Best Credit Cards for Low Credit Scores?

If your credit score is below 650, your chances of getting a credit card are pretty slim. Dozens of companies used to serve the “sub prime” market. But federal credit card reform laws along with a challenged economy have made it much more difficult for people to successfully find the best credit ...
What Are the Best Credit Cards for Low Credit Scores?

Thursday 14 November 2013

Is Debt Consolidation Different From Bankruptcy?

Numerous people in America are so considerably under debt that personal bankruptcy has actually ended up being a common approach to preserve one’s skin so to speak from overwhelming debt.
But personal bankruptcy must be the last resort rather than the first choice. The Bankruptcy Abuse...
Is Debt Consolidation Different From Bankruptcy?

Are You Ready for a New Credit Score in 2013?

You could have a new credit score in 2013 and not even have to do a thing! A new credit scoring system will be introduced that could potentially increase scores for many consumers across the nation and establish credit histories for others who previously had little or none. The three major...
Are You Ready for a New Credit Score in 2013?

What is the Best Credit Score on Experian?

Experian is one of the “big three” credit reporting agencies in the United States. The company, along with dozens of other agencies including its main competitors Equifax and TransUnion, keeps track of whether American adults pay their bills in a timely manner. This data creates credit reports; c...
What is the Best Credit Score on Experian?

Wednesday 13 November 2013

How High Does My Credit Score Need to be to Lease a Ferrari?

If you want to lease a Ferrari, you should have a minimum credit score of 720. Let’s be honest, when you’re looking to lease a Ferrari, you’re likely playing in a tax bracket and income level that shouldn’t make your credit score a problem.
Ferrari is an Italian brand of sports car known for its ...
How High Does My Credit Score Need to be to Lease a Ferrari?

What Are My Rights Under The Fair Debt Collection Practices Act?

Any person that utilizes credit cards, is obligated to repay cash on an individual financing, or pays a home mortgage is a “debtor.” Taking financings and making payments has ended up being a basic method amongst homebuyers, individuals looking to buy an automobile, or going to...
What Are My Rights Under The Fair Debt Collection Practices Act?

Are Credit Scores Private?

Identity theft is one of the fastest growing crimes in the world, with an estimated 15 million new victims each year. Concerns over the potential misuse or abuse of information has led to questions such as, “are credit scores private?” The answer really depends upon what is your definition of the...
Are Credit Scores Private?

Tuesday 12 November 2013

How Can I Get Out Of Credit Card Trouble?

In some cases nothing is simpler than to take out your charge card and pay for that sweatshirt or piece of furniture you have been considering for months. And who hasn’t already been asked by the check-out person to authorize up for a new credit card in order to conserve 15 percent on...
How Can I Get Out Of Credit Card Trouble?

What is the Best Credit Score on Equifax?

Though dozens of credit reporting agencies record and sell information on adults living in the United States, most people only need to be concerned with the “big 3” credit bureaus. Equifax is probably the best-known credit reporting agency in the United States. Its two primary competitors are Exp...
What is the Best Credit Score on Equifax?

Monday 11 November 2013

What Is Credit History Therapy?

If you have high financial obligation, and are in trouble, you have probably heard the term “credit history therapy,” yet do you comprehend exactly what it is? Oftentimes this term is made use of in the same sentence as debt agreement or debt settlement, yet actually, it’s an...
What Is Credit History Therapy?

What is the Best Credit Score Site?

There are countless credit score services in the industry. Unfortunately, most of them are unreliable. We commonly get the question of, “what is the best credit score service?” The best answer to that question would be MyFICO.com.
MyFICO is owned by Fair Isaac Corporation and specializes in cre...
What is the Best Credit Score Site?

Friday 8 November 2013

What Are the Best Credit Cards for Excellent Credit Scores?

You have countless choices for credit cards once your credit rating reaches or exceeds about 740. The sheer number of options will probably overwhelm you. Because you are in the coveted elite in the credit game, do not simply take any offer that comes your way. The following list in effect will...
What Are the Best Credit Cards for Excellent Credit Scores?

Thursday 7 November 2013

Can Medical Bills Affect Your Credit Score?

Most people understand that credit cards and installment loan accounts can either increase or decrease a credit score. But some types of bills – especially if left unpaid – can also harm your credit rating. Can medical bills affect your credit score? In some cases “yes” would be the answer to the...
Can Medical Bills Affect Your Credit Score?

Wednesday 6 November 2013

What Are the Best Ways to Repair Credit Scores?

Too many television, radio, and Internet commercials claim to offer the best ways to repair credit scores. Such services usually charge hefty fees, may do more harm than good to your credit rating, and may even be illegal depending upon the methods a company’s representatives use to try to r...
What Are the Best Ways to Repair Credit Scores?

Tuesday 5 November 2013

Can Eviction Affect Your Credit Score?

If you live in an apartment or house that you do not own and fail to uphold the terms of your lease, the property owner can pursue eviction proceedings against you. One of the most common reasons for eviction is failure to pay rent as promised, though some landlords will try to boot you out of...
Can Eviction Affect Your Credit Score?

Monday 4 November 2013

How Can I Have A Clean Credit History?

Obtaining a good credit score is vital for many aspects of your financial success. But a standard misconception is that paying your bills by the due date is enough to generate a fantastic credit history. There are still plenty of things you can do to wreck your credit standing, even when you...
How Can I Have A Clean Credit History?

Friday 1 November 2013

Is There Such A Thing As Medical Bankruptcy?

Even with rising public understanding of potentially excessive high health care prices, as of 2013 the United States still does not offer medical personal bankruptcy. Though in some locations of the country health and wellness costs are a significant reason for individual insolvency, government...
Is There Such A Thing As Medical Bankruptcy?

Thursday 31 October 2013

Can Personal Bankruptcy Be Used Just For Credit Card Debt?

In the United States, individuals have a legal right to request court intervention if they could not pay their debts as guaranteed. This professional procedure is called personal bankruptcy and is governed by federal regulations. A great deal of people will ask inquiries such as, “can...
Can Personal Bankruptcy Be Used Just For Credit Card Debt?

Wednesday 30 October 2013

Are There Any Alternatives To Home Foreclosure?

If you’re encountering foreclosure of your residence because of missed home loan payments, you often have a couple of options and all of them will damage your credit rating for at the very least 7 years. One alternative is to ask for Chapter 7 debt comfort in your community division of the...
Are There Any Alternatives To Home Foreclosure?

Tuesday 29 October 2013

How Do I Buy a Home With a Bad Credit History?

The first secret towards purchasing a mortgaged house with a bad credit history is to have a down payment available. Consider that since the late 2000s, customers without any type of credit difficulties have actually been required to put down repayments toward the acquisition of an initial home....
How Do I Buy a Home With a Bad Credit History?

Monday 28 October 2013

Do College Loans Qualify For Bankruptcy Relief?

A common inquiry asked by lots of people in economic trouble regards the ability to include one or more college loans in personal bankruptcy. The bad news is that most college debts remain as a lifetime monetary commitment no matter what your personal bankruptcy status, although there are a few...
Do College Loans Qualify For Bankruptcy Relief?

Friday 25 October 2013

What Do I Need To Know Before Requesting a California Bankruptcy?

Before choosing whether to file personal bankruptcy in California, you should evaluate the fundamental truths associated with seeking a personal bankruptcy situation in this state. Personal debtors often seek either Chapter 7 or Chapter 13 insolvency. Chapter 13 is a court-supervised debt...
What Do I Need To Know Before Requesting a California Bankruptcy?

Thursday 24 October 2013

What Are The Best Credit Cards For Excellent Credit Scores?

You are very fortunate if you need to ask the question of, “what are the best credit cards for excellent credit scores?” The average United States resident has a fair credit score of 661; so if you are in the 720 or above range you are well ahead of most Americans. These days, you need a steady i...
What Are The Best Credit Cards For Excellent Credit Scores?

Wednesday 23 October 2013

What Is The Average American Credit Score For 2013?

A common question among adults is, “what is the average American credit score for 2013?” The news is pretty grim if you look at reputable websites such as CreditKarma; the average American credit score for 2013 is only 661. A credit rating of 661 is fairly poor especially in a financial market th...
What Is The Average American Credit Score For 2013?

Tuesday 22 October 2013

Are Credit Scores Global?

If you have moved to the United States or are leaving the United States, you are probably wondering are credit scores global? The simplest answer is no. While your former country of residence will probably still keep statistics in your name, a lender in the United States will not be very...
Are Credit Scores Global?

Monday 21 October 2013

How to Improve My Credit Score If I Live In Delaware

Though many major banks are headquartered in Delaware, residents of this state tend to have some of the lowest average credit scores in the country. The typical Delaware resident has a credit score is 680; people with credit ratings of 680 will pay higher interest rates and may even be outright...
How to Improve My Credit Score If I Live In Delaware

Friday 18 October 2013

How to Improve My Credit Score If I Live In Connecticut

Connecticut residents tend to have some of the best credit ratings in the entire United States, though the state government itself has one of the lowest credit scores among American municipalities. This blog will focus on the needs of individual Connecticut residents who would like to answer the...
How to Improve My Credit Score If I Live In Connecticut

Thursday 17 October 2013

What Are the Best Credit Cards for Poor Credit Scores?

In this electronic day and age, credit cards are often a dreaded necessity and seeming pipe dream for people with bad credit. Car and hotel rentals often require bonafide credit cards, rejecting popular bad credit options such as debit and prepaid cards. However, there are a variety of bad...
What Are the Best Credit Cards for Poor Credit Scores?

Wednesday 16 October 2013

How to Improve My Credit Score If I Live in Colorado

In many cases, people tend not to ponder the issue of how to improve my credit score if I live in Colorado. Colorado residents more often than not have some of the best credit ratings in the entire United States. The average credit score for someone living in Colorado is 692. The ideal credit...
How to Improve My Credit Score If I Live in Colorado

Do Credit Bureaus Update Credit Scores?

There seems to be a whole lot of confusion as to what information the 3 Credit bureaus TransUnion, Experian and Equifax receive, how often they receive it and just what do they do with it.
The credit bureaus receive information about you from your creditors like the banks where you have your...
Do Credit Bureaus Update Credit Scores?

Tuesday 15 October 2013

How to Improve My Credit Score If I Live In Arkansas

Arkansas residents on average have the lowest credit scores in the entire United States, according to the website of Arkansas Attorney General Dustin McDaniel. A typical state resident has a credit rating of 636, about 30 points below the national average. The median income level for a single...
How to Improve My Credit Score If I Live In Arkansas

Monday 14 October 2013

What Are The Best Credit Cards For An Excellent Credit Score?

These days there is a lot of hot debate about just what constitutes a great credit rating. For the purposes of finding the best credit cards for an excellent credit score, we will use the number 720. Some people will argue that only a 750 or higher quantifies an excellent credit score. However,...
What Are The Best Credit Cards For An Excellent Credit Score?

Friday 11 October 2013

Are Credit Scores Reliable?

It is not a secret that the economic decline from 2008 put folks out of work and caused some people to become unable to take care of debts they have accrued. A lot of many people are slowly but surely recovering from the unparalleled worldwide economical developments that began in 2008....
Are Credit Scores Reliable?

What Are My Bankruptcy Options in Texas Options?

If you cannot pay your bills on time and have lived in the state of Texas for at least six months, then you can pursue filing bankruptcy in Texas. Most people declaring bankruptcy choose either Chapter 7 or Chapter 13.
Chapter 7 bankruptcy allows a judge to permanently liquidate many of your...
What Are My Bankruptcy Options in Texas Options?

What Are The Best Credit Cards For Bad Credit Scores?

Even people with excellent credit ratings have had a tougher-than-usual time of getting new accounts since George W. Bush needed to “bail out” banks in 2008. There used to be many answers to the question of, “what are the best credit cards for bad credit scores?” Nowadays there are very few accou...
What Are The Best Credit Cards For Bad Credit Scores?

Thursday 10 October 2013

Can Virginia Bankruptcy Law Help Me?

Every state must adhere to the United States bankruptcy code, a set of federal laws that enable financially overwhelmed people to legally walk away from some of their debts. However, each state has different rules especially considering income and assets. Under Virginia bankruptcy law, you must...
Can Virginia Bankruptcy Law Help Me?

How Do I Find My Credit Score Online?

First let’s review and understand what a credit score really is.  The 3 credit reporting bureaus, Experian, Equifax and TransUnion collect data about you from your creditors such as your credit card companies, your lenders such as the institution where you have your home mortgage and other pu...
How Do I Find My Credit Score Online?

Wednesday 9 October 2013

Can You Submit Insolvency On Credit Cards Only?

In the United States, people have a legal right to ask for court interference if they could not pay their debts as previously assured. This official process is called personal bankruptcy and is controlled by numerous government rules. Some individuals will ponder concerns such as, “can you...
Can You Submit Insolvency On Credit Cards Only?

Are Credit Scores Going Down?

It is no secret that the economic decline in 2008 put citizens out of a job and resulted in most people to be unable to take care of debts they have accrued. However some people are gradually recovering from the unheard of worldwide financial changes which developed in 2008. Hence, quite a few...
Are Credit Scores Going Down?

Tuesday 8 October 2013

What Are High Risk Personal Loans?

With so many people involuntarily placed out of work since the economic crash of 2008, more people than ever have experienced problems paying their bills on time. The cycle can be rather vicious; paying bills late decreases your credit score, yet it is virtually impossible to improve your credit...
What Are High Risk Personal Loans?

How to Improve My Credit Score If I Live In Alabama

It is not easy to execute the task of how to improve my credit score if I live in Alabama. Unfortunately, Alabama residents more often than not have some of the lowest credit ratings in the entire United States. A disproportionate amount of student loan debt along with fairly low wages creates a...
How to Improve My Credit Score If I Live In Alabama

Monday 7 October 2013

What Is Credit Score Formula 2013?

A three digit number has become increasingly important in all aspects of society, and even people without debt are wondering just what is a credit score formula 2013. Before learning how to increase your credit rating, it is important to understand what comprises that three digit number.
The...
What Is Credit Score Formula 2013?

What Are the Potential Dangers of Credit Score Dating?

Nowadays, the economy is a major concern for people. In all too many cases, money or lack thereof is becoming more important than love. Growing numbers of people have reported that they would not date someone with a low credit score or a lot of student loan debt. However, these reports do not...
What Are the Potential Dangers of Credit Score Dating?

Friday 4 October 2013

Are There Debt Cures Other Than Bankruptcy?

Debt cures do exist, but often require sacrifice and patience when times are especially tough. Whether you wish to increase your minimum monthly payment, liquidate most of your personal debt through bankruptcy, or get a restructured payment plan through debt consolidation or a bankruptcy court,...
Are There Debt Cures Other Than Bankruptcy?

Are Credit Ratings Cow Dung?

It is no secret how the economic slowdown from 2008 put most people out of a job and resulted in a number of people to become unable to take care of their debts. But some many people are slowly but surely recovering from the unparalleled international economical transitions which unfortunately...
Are Credit Ratings Cow Dung?

Thursday 3 October 2013

Can I Refinance My Mortgage During Chapter 13?

Refinancing a house mortgage when you are in Chapter 13 bankruptcy is generally possible although not always the very best strategy. If you are still in Chapter 13, your finances are the business of your local bankruptcy court officials. You cannot legally get any type of new credit –...
Can I Refinance My Mortgage During Chapter 13?

Can Hospital Bills Affect Your Credit Score?

During the Obama administration, most Americans have become more focused on healthcare costs as well as the basic right to healthcare. The controversy over whether healthcare is a privilege or a right especially came to a head in 2008, even before Barack Obama secured the Democratic Party...
Can Hospital Bills Affect Your Credit Score?

Wednesday 2 October 2013

creditsc

Credit scoring is a complicated matter to even some experienced financial experts. We generally hear issues such as, is it good to have a high credit score? The bigger than number, the better off you are. Therefore a resounding “yes” is the answer to the question of “is it good to have a high cre...
Is It Good To Have a High Credit Score?

Are Credit Scores Unfair?

These days a credit score can make a major difference in whether you get a job, a new car, or a home of your own. Not to mention all the other facets of your life that could hinge on your credit rating or lack thereof. People are using credit scores to decide whether to rent you an apartment or...
Are Credit Scores Unfair?

Tuesday 1 October 2013

Can Florida Bankruptcy Help Me?

Every resident of the United States and its legal territories has the right to file bankruptcy if he cannot pay his creditors while covering basic living expenses. Florida bankruptcy cases have some differences from cases filed in other states, especially concerning income qualification and the...
Can Florida Bankruptcy Help Me?

Are Credit Rating Agencies to Blame For the Financial Crisis?

The economic life of all too many Americans and even people living in other nations such as France and England just has not been the same since the summer of 2008. During such challenging times, people naturally see their credit scores decline and find it harder to get approved for new credit...
Are Credit Rating Agencies to Blame For the Financial Crisis?

Monday 30 September 2013

How Can California Bankruptcy Help Me?

Most people who file a California bankruptcy case choose Chapter 7 debt liquidation or court-supervised debt repayment under Chapter 13. If you must declare a California bankruptcy, you need to have lived in the Golden State for at least 180 days. You do not have to hire an attorney to file...
How Can California Bankruptcy Help Me?

Friday 27 September 2013

What Is the Truth Behind Bankruptcy or Insolvency?

A lot of wishful thinking exists about bankruptcy, and consumer watchdog departments such as the Federal Trade Commission work to advertise just truthful information around this debt-relief procedure. Common beliefs regarding bankruptcy consist of that it can deal with every sort of monetary...
What Is the Truth Behind Bankruptcy or Insolvency?

What Are the Best Credit Cards for Rebuilding Credit Scores?

Since the economic downturn of 2008, it has been much more difficult for people with a poor bill-paying history to find the best credit card for rebuilding credit scores. In 2009, federal credit card reform laws made it much more difficult for companies to take financial advantage of their...
What Are the Best Credit Cards for Rebuilding Credit Scores?

Thursday 26 September 2013

How to Improve My Credit Score if I Live in Texas

Unfortunately, the average credit score in Texas is consistently the lowest in the United States. The average credit score is 651, which places most people in a credit-challenged or “sub-prime” market. A credit score too far below 720 makes it difficult if not impossible to secure mortgage loa...
How to Improve My Credit Score if I Live in Texas

Wednesday 25 September 2013

What Credit Score Agency Matters Most?

Despite the government’s wide-scale efforts to make repayment of debt easier on the average consumer, credit scoring models have changed very little in recent years. Credit card reform laws that passed in President Barack Obama’s administration require companies to be much more forthcoming with t...
What Credit Score Agency Matters Most?

Tuesday 24 September 2013

Are Credit Scores Declining?

It is obvious that the economic recession from 2008 put folks out of work and caused a number of people to be unable to pay their debts. Nevertheless many people are gradually recovering from the unparalleled multinational economic fluctuations that began in 2008. Thus, a number of people...
Are Credit Scores Declining?

Is A TransUnion Credit Score The Same As FICO?

TransUnion is one of  three credit reporting bureaus in the United States and has been in existence for over 40 years. The credit score that it sells on their website is the lesser known proprietary Vantage credit scoring system.
Is A TransUnion Credit Score Accurate?
When your creditors furnish ...
Is A TransUnion Credit Score The Same As FICO?

Monday 23 September 2013

Is A Vantage Credit Score The Same As A Credit Score?

Just looking at the title of this article tells us that there is much confusion out there regarding what a credit score is, what types of credit scores there are and which is more important in the real world.
A credit score is a snapshot of your credit file from either TransUnion, Experian or...
Is A Vantage Credit Score The Same As A Credit Score?

Wednesday 1 May 2013

What is the Best Place to Check a Credit Score Online?

It can be difficult to decide which is the best place to check a credit score online. There are multiple websites advertising free credit checks and free credit scores online, but are they legit? The fact is that you can get a credit score from such sites, and they may be free (but not all), but...
What is the Best Place to Check a Credit Score Online?

5 Reasons Why It"s Important To Date Someone With A Credit Score Above 600

A credit score above 600 represents a track record of financial responsibility and career success. Many college graduates can land a high-paying job, but not all of them can keep one. However, a credit score above 600 takes years of quality bill-paying habits to develop. While a good credit...
5 Reasons Why It"s Important To Date Someone With A Credit Score Above 600

Monday 29 April 2013

4 Reasons Why You Shouldn’t Date A Person With A Credit Score Below 600

What kind of future will you have if you cannot even qualify for a basic home loan? Once someone’s credit score sinks below 600, it becomes very difficult if not impossible to complete basic financial transactions such as purchasing a house. While a credit score in the low 600s is not great,...
4 Reasons Why You Shouldn’t Date A Person With A Credit Score Below 600

Friday 26 April 2013

What is a Good Credit Score for a Home Loan?

“What is a good credit score for a home loan?” has become an increasingly popular question posed by consumers. Unfortunately for many it comes after they have been turned down for a home loan or mortgage. When economic times are hard lenders tend to raise the bar for credit scores. They...
What is a Good Credit Score for a Home Loan?

Thursday 25 April 2013

Where is the Best Place to Check My Credit Score Online?

If you’re one of the many asking the question “Where is the best place to check my credit score online?” you’re a member of a very large and active club! More and more consumers are realizing just how important their credit score is. Unfortunately many are finding out the hard way, being...
Where is the Best Place to Check My Credit Score Online?

Wednesday 24 April 2013

What is the Absolute Best Site to Get Credit Scores

There are more people interested in which is the best site to get credit scores than ever before. This is mainly because consumers are becoming more aware of just how important a credit score is. They are used not only for determining who gets credit and how much, but also who gets the best jobs...
What is the Absolute Best Site to Get Credit Scores

Tuesday 23 April 2013

What is the Absolute Best Way to Improve Credit Scores?

There is no single best way to improve credit scores; it is rather a combination of actions that needs to be implemented. Those actions are proven methods of raising credit scores however, and applying them virtually guarantees raising your credit score. It is a fairly simple process, and all...
What is the Absolute Best Way to Improve Credit Scores?

Monday 22 April 2013

Who Else Wants to Know the Best Way to Raise Credit Scores?

Actually it seems everybody wants to know the best way to raise credit scores these days. It is easy to understand why, as lenders are becoming more and more stringent regarding their requirements. Higher credit scores are just one of the things that are required to be approved fro a loan, and...
Who Else Wants to Know the Best Way to Raise Credit Scores?

Friday 19 April 2013

What Is The Difference Between Credit Reports And Scores?

Credit reports and credit scores are similar terms but not one and the same. While some people interchangeably discuss credit reports and credit scores, there are some key factors that put each piece of information into its own class. Understanding what is the difference between credit reports...
What Is The Difference Between Credit Reports And Scores?

Thursday 18 April 2013

What Is The Fact Act, Equifax, And Free Annual Credit Report?

When you start the journey toward improving your credit score, you will likely hear a number of unfamiliar terms including the FACT Act, Equifax, and free annual credit report. Fortunately, once you learn these basics it will be much easier to understand other important concepts especially...
What Is The Fact Act, Equifax, And Free Annual Credit Report?

Wednesday 17 April 2013

How To Place Locks On Your Credit Reports

Equifax, Experian, TransUnion, and dozens of other agencies probably know more about your financial habits than even your closest friends. These companies keep credit reports that outline whether you pay your bills on time. Under the Fair Credit Reporting Act, not just anyone can take a look at...
How To Place Locks On Your Credit Reports

Tuesday 16 April 2013

How To Ask A Date What Their Credit Score Is

In past generations, it was considered inappropriate to ask certain questions of the opposite gender especially early in a relationship. But these days a growing number of people of all genders, age groups, and sexual orientations want to know a potential partner’s financial status as early as...
How To Ask A Date What Their Credit Score Is

Monday 15 April 2013

How Do I Contact Credit Bureau Offices?

In the past, you had to call or even visit credit bureau offices to find out what was on your credit report. With the passage of the Fair and Accurate Credit Transactions Act of 2003, every American is entitled to quickly get one free copy of each of his credit reports every year. To cut down on...
How Do I Contact Credit Bureau Offices?

Friday 12 April 2013

How Important Is A Credit Score?

Some people believe in only buying what they can pay for with cash, which is not necessarily a bad idea in this age of financially overextended households. For such people, just how important is a credit score? Actually, most companies check your credit rating just to issue basic services such...
How Important Is A Credit Score?

Thursday 11 April 2013

What Is The TransUnion Credit Scores Agency?

The TransUnion credit score agency is the third-largest in the United States. As a credit reporting bureau, TransUnion must follow a number of federal and state laws including the Fair Credit Reporting Act. The two other major credit score agencies in the United States are Equifax and Experian....
What Is The TransUnion Credit Scores Agency?

Wednesday 10 April 2013

Can I Erase Late Payments From Credit Report?

When you sign any kind of service or credit agreement, you pledge to pay your bills on time. Most companies charge late fees even if you are just a day or two late. Once you are 30 or more days late on a payment, your credit score will suffer. A common question is, “can I erase late payments...
Can I Erase Late Payments From Credit Report?

What Is A Credit Scores Phone Number?

Your credit score is probably much more important to potential lenders than the actual information reflected on your credit reports. While paying your bills on time is always a solid financial practice, this alone does not guarantee a good credit score. Nor does missing a payment once or twice...
What Is A Credit Scores Phone Number?

Tuesday 9 April 2013

What Are Credit Reporting Bureaus?

Credit reporting bureaus are for-profit businesses that collect and distribute adults’ credit information in accordance with federal laws such as the Fair Credit Reporting Act. These companies make money by selling reports to individuals and businesses as well as charging subscription fees to...
What Are Credit Reporting Bureaus?

Monday 8 April 2013

Do Medical Bill Collections Impact A Credit Score?

If your doctor or a hospital does not receive payment as expected from you or your insurance company, then in most states the debt can be handed over to a collection agency. If you do not pay the collection agency, chances are that medical bill will end up on your credit report. Legislators in...
Do Medical Bill Collections Impact A Credit Score?

Friday 5 April 2013

Top Reasons Why You Don"t Let A Man Use Your Credit To Buy Things

Even people who are millionaires have poor spending habits and have to file for bankruptcy. So it should not be a surprise that even well-educated women fall into the trap of getting involved with a financially irresponsible man with a poor credit score. However, getting romantically involved...
Top Reasons Why You Don"t Let A Man Use Your Credit To Buy Things

Thursday 4 April 2013

Do I Need A Lawyer To File Bankruptcy In 2013?

Successfully filing bankruptcy in the United States typically requires the services of a qualified attorney. While some people file bankruptcy in 2013 without hiring legal help, many of these cases end up dismissed due to avoidable paperwork errors. Any reputable lawyer who helps financially...
Do I Need A Lawyer To File Bankruptcy In 2013?

Wednesday 3 April 2013

What Credit Score is Needed for a TJX Rewards Credit Card?

TJ Maxx customers can benefit from the TJX rewards credit card by earning as much as 5 points for every dollar spent at TJ Maxx, A.J. Wright, Home Goods, and Marshalls stores. Additionally card holders can earn one point per dollar spent at other locations where MasterCard is accepted. The TJX...
What Credit Score is Needed for a TJX Rewards Credit Card?

Monday 1 April 2013

Is 731 A Good Credit Score?

Credit ratings can be confusing, especially since each major reporting agency has its own proprietary formula to create credit scores. Equifax, Experian, TransUnion, and Fair Isaac (FICO) are the primary sources of credit scores in the United States. About 90 percent of lenders will order a FICO...
Is 731 A Good Credit Score?

Friday 29 March 2013

Which Of The Following Is True About Credit Reports?

Are you a credit expert or do you need a refresher course? Find out with this quick quiz that will help you understand which of the following is true about credit reports.
1. It doesn’t matter how many credit card offers you apply for — especially if a store discount is involved!
False....
Which Of The Following Is True About Credit Reports?

Thursday 28 March 2013

What Are Good 800 Numbers For Credit Reports?

These days, many people prefer conducting business over the telephone rather than via the Internet or postal mail. Other Americans still do not trust the Internet to keep their private information safe and secure. While you can usually get virtually instant service by using the Internet, there...
What Are Good 800 Numbers For Credit Reports?

Wednesday 27 March 2013

What Are FTC Annual Free Credit Reports?

The Federal Trade Commission is a consumer watchdog organization and part of the federal government. In the last decade or so, department officials have become especially concerned about the increasing problems with identity theft. As a result, consumers can now get FTC annual free credit...
What Are FTC Annual Free Credit Reports?

Tuesday 26 March 2013

How Long Does A Chapter 7 Bankruptcy Need To Remain In Credit Reports?

Filing bankruptcy is not an “easy way out,” especially since the enactment of reform laws in 2005. Chapter 7 is the closest available concept to a complete bankruptcy, but not all debts can be included in a case. A common question among people in financial trouble is just how long does a...
How Long Does A Chapter 7 Bankruptcy Need To Remain In Credit Reports?

Monday 25 March 2013

What Are Credit Bureau Dispute Letters?

Most Americans understand the basic concept of credit reports. Companies regulated by the federal government keep and release information regarding whether or not you pay your bills on time. Unfortunately, about 80 percent of American consumers have something inaccurately reporting on their...
What Are Credit Bureau Dispute Letters?

Friday 22 March 2013

What is the Best Credit Card for Rebuilding Credit Scores?

A common question among consumers is “What is the best credit card for rebuilding credit scores?” It is no surprise that it is asked so frequently as a credit card can be an effective tool for rebuilding a bad credit score. There is no single card such as an American Express, Master Card or...
What is the Best Credit Card for Rebuilding Credit Scores?

Wednesday 20 March 2013

Are Credit Scores Important to Employers and Landlords?

When considering the question “Are credit scores important to employers and landlords?” there are many points to consider. Yes, landlords and employers sometimes use a person’s credit score in determining their suitability, but they cannot access your credit score without your permission....
Are Credit Scores Important to Employers and Landlords?

Tuesday 19 March 2013

What Credit Bureau Numbers Should I Call For Help?

Some people prefer the convenience of conducting business over the telephone and thus request credit bureau numbers. But, in some cases you should send a certified letter to a credit reporting agency rather than calling or filing an online complaint. If you believe your credit report has...
What Credit Bureau Numbers Should I Call For Help?

Monday 18 March 2013

What Should My Credit Score Be to Lease a Mercury?

When considering leasing a Mercury, you may have many questions, but right now a credit score may not be tops on the list. In fact, you can probably lease a Mercury even with a credit score of around 618. There are a couple of reasons for this. Mercury was part of the Ford Motor Company, but it...
What Should My Credit Score Be to Lease a Mercury?

Sunday 17 March 2013

How You Can Improve Your Credit Score in the Next 90 Days

If you are searching online for quick ways to boost your credit rating, you probably fear high interest rates and even credit denials. Even if you have always made your bill payments on time, you still may need to discover how you improve your credit score in the next 90 days. Learning how to...
How You Can Improve Your Credit Score in the Next 90 Days

Friday 15 March 2013

What Should My Credit Score Be to Lease a Dodge?

You’re looking to lease a Dodge, and you want to know how high your credit score needs to be. While there are a number of factors that go into obtaining a lease, a credit score won’t be your biggest obstacle. In fact, if you show a history of paying your bills on time, you should be able to...
What Should My Credit Score Be to Lease a Dodge?

Thursday 14 March 2013

What Are Credit Reporting Bureaus In The USA?

While there are numerous credit reporting bureaus in the USA, the “big three” are Equifax, Experian, and TransUnion. Potential landlords, employers, insurance agencies, cell phone networks, utility companies, and lenders will usually check your credit standing with one or more agencies...
What Are Credit Reporting Bureaus In The USA?

Wednesday 13 March 2013

How Important Is The TransUnion Credit Bureau?

Some people are quick to dismiss the TransUnion credit bureau as irrelevant. But, an estimated 45,000 American businesses review information using TransUnion. The credit reporting agency also provides information in 31 additional countries. When considering your credit rating, do not dismiss...
How Important Is The TransUnion Credit Bureau?

Tuesday 12 March 2013

What is the Credit Score Range of FICO?

It is no wonder that the question “What is the credit score range of FICO?” is so common these days among consumers. FICO (Fair Isaac Corporation) are the company that developed the credit score, and theirs is the standard used by the credit bureaus. The system has been in use since the...
What is the Credit Score Range of FICO?

Monday 11 March 2013

What is Your Credit Score Range, and What Does it Mean?

When asked, “What is your credit score range,” you might think it is not as important as your actual credit score. The fact is that each of the three different credit reporting agencies – Equifax, Trans Union, and Experian – uses a different credit score range. Though each is similar to...
What is Your Credit Score Range, and What Does it Mean?

Friday 8 March 2013

What Credit Score is Needed for an Amazon.com Visa Card?

If you shop regularly at Amazon.com, the Amazon.com Visa card is well worth applying for. It is one of the better rewards cards on the market, and as such, standards for being approved are rather high. One of the best benefits of this card is that holders can redeem points as they earn them, you...
What Credit Score is Needed for an Amazon.com Visa Card?

Thursday 7 March 2013

When Does A Bankruptcy Come Off A Credit Report?

Bankruptcy is truly a last resort and can damage your credit rating for years to come. However, for people who use this legal tool properly bankruptcy offers a much-needed new financial start. Many people in financial trouble wonder just when does a bankruptcy come off a credit report.  The...
When Does A Bankruptcy Come Off A Credit Report?

Wednesday 6 March 2013

What Are Equifax Credit Report Dispute FAQs?

Equifax is one of the major credit reporting agencies in the United States and keeps track of whether you pay your bills on time. However, Equifax cannot legally report inaccurate or outdated information. If you believe your credit report is inaccurate, then you must dispute the information. The...
What Are Equifax Credit Report Dispute FAQs?

Tuesday 5 March 2013

What is a Good Credit Score to Qualify for a Home Loan?

When answering the question “What is a good credit score to qualify for a home loan,” there are several factors to consider. One thing is the lender who you are applying to. The major home loan or mortgage companies are Freddie Mac and Fannie Mae. Both of them require a credit score of at...
What is a Good Credit Score to Qualify for a Home Loan?

Monday 4 March 2013

The Benefits of Credit Score Monitoring Services

Most people hope to purchase a new home someday, but having even a marginally bad credit score can cost you tens of thousands of dollars of interest over the life of a 30-year mortgage. While becoming obsessed with your credit rating is probably not a psychologically wise idea, keeping track of...
The Benefits of Credit Score Monitoring Services

Thursday 28 February 2013

How Important Is Your Student Loan Balance To A Potential Romantic Partner?

When two people are married, they literally join their separate lives into one. Because so many people have unmanageable student loan debt, an increasing number of people are asking about their dates’ debts long before they get too serious. A growing number of engagements have ended because...
How Important Is Your Student Loan Balance To A Potential Romantic Partner?

Wednesday 27 February 2013

Are Credit Scores Fair Measures of a Person’s Financial Risk?

Consumers are increasingly asking “Are credit scores fair measures of a person’s financial risk?” Many feel they are not, and that they have been unjustly been denied a loan or other credit because of an unfair credit rating system. The credit bureaus on the other hand insist they are...
Are Credit Scores Fair Measures of a Person’s Financial Risk?

What Credit Score Do I Need to Lease a Chrysler?

If you’re considering leasing a Chrysler, knowing your credit score is important. In recent years, Chrysler has been offering aggressive lease deals. However, those deals are usually only extended to well-qualified borrowers. In general, a credit score above 650 is needed to lease a Chrysler....
What Credit Score Do I Need to Lease a Chrysler?

Tuesday 26 February 2013

Will Having A Car Accident Hurt Your 2013 Credit Score?

The “Jaws of Life” is a powerful machine that can quickly extract people from vehicles after a car collision, like in the case of a recent nine-car pileup near Boston, Massachusetts. Even after the “Jaws of Life” helps save someone’s life or prevents additional serious injuries, many...
Will Having A Car Accident Hurt Your 2013 Credit Score?

Monday 25 February 2013

How Do I Check My Credit Score Online For Free?

There is no place either online or by phone or mail where credit scores can be accessed for free.  The credit reports from which the credit scores are calculated can be downloaded free once a year from Experian, Equifax and TransUnion either through the websites or through their portal...
How Do I Check My Credit Score Online For Free?

Why You Should Care About Your Credit Score?

I am horrified at some of the recent posts online stating that people should not care about their credit scores. Now, some of the ideas are perfectly valid. You should never go into debt just because you have the privilege to go into debt. Caring about your credit score so you can get a...
Why You Should Care About Your Credit Score?

Friday 22 February 2013

Are Credit Rating Agencies Regulated?

First of all the three bureaus Transunion, Equifax and Experian are not credit rating agencies, they are credit reporting for profit nongovernmental companies.  They gather credit information about you from those institutions that you borrow money from and that information is entered into your...
Are Credit Rating Agencies Regulated?

Thursday 21 February 2013

How To Get A High Credit Score In 2013

Attaining a great credit rating will not solve all of your financial problems, but will make most monetary transactions run much more smoothly. The secrets of how to get a high credit score are not as complex as some people choose to believe. You do not need to have a platinum credit card or...
How To Get A High Credit Score In 2013

Wednesday 20 February 2013

What Credit Score Do I Need to Lease a Chevrolet?

Leasing a Chevrolet is an attractive option for individuals with a minimum credit score of 635. Some of this may depend on the style of car you want, but if you’re looking for a minimum number, 635 is probably a good starting point. However it’s always good to ensure your credit score is...
What Credit Score Do I Need to Lease a Chevrolet?

Tuesday 19 February 2013

What Credit Score Do I Need to Lease A Buick?

To lease a Buick generally requires a credit score of at least 640. As with any type of car financing, you will get better lease rates with scores that are above 700 as those are considered to carry less risk. Buick is a luxury brand that is part of General Motors. It is one of the longest, and...
What Credit Score Do I Need to Lease A Buick?

Monday 18 February 2013

How Much Does It Cost To File Bankruptcy In 2013?

Debt levels are at a record high especially when compared to the average American’s disposable income level, according to the Federal Reserve. For some Americans, high debt loads along with reduced or eliminated income due to the recession has become emotionally and financially draining....
How Much Does It Cost To File Bankruptcy In 2013?

Friday 15 February 2013

How Does a Credit Rating Affect Mortgages?

Many consumers pose the question “How does a credit rating affect mortgages?” The question is a simple, yet complex one. How a mortgage is affected by your credit rating depends as much on your credit history and several other factors. Your credit history is basically a record of how...
How Does a Credit Rating Affect Mortgages?

Thursday 14 February 2013

How Important Is A Credit Score In The Dating Game?

In decades not too long ago, some men who tested negative for a sexually transmitted disease proudly displayed or talked about their “card” that proved they were free of diseases. While people still want to know a potential sexual partner is physically healthy, a growing number of people...
How Important Is A Credit Score In The Dating Game?

Wednesday 13 February 2013

What Is The Relationship Between A Free Annual Credit Report And The Government?

The federal government of the United States has always regulated the manner in which credit reporting agencies such as Equifax, Experian, and TransUnion may operate. Laws such as the Fair Credit Reporting Act (FCRA) govern the credit bureaus and the Fair Debt Collection Practices Act (FDCPA) is...
What Is The Relationship Between A Free Annual Credit Report And The Government?

Tuesday 12 February 2013

What Does a Credit Score Reveal About Your Potential Partner’s Character and Spending Habits?

Knowing your partner’s credit score will tell you a lot about their character and spending habits. Before you invest time, emotions and money into a relationship, read below to find out What a Credit Score Reveals About Your Potential Partner. If your partner has a credit score of 680 or...
What Does a Credit Score Reveal About Your Potential Partner’s Character and Spending Habits?

Can I Have Bankruptcy Removed From Credit Report?

Many unscrupulous organizations advertise that you can have even a legitimate bankruptcy removed from a credit report. But you cannot legally have that information stricken from your credit record unless you really did not declare bankruptcy or the credit reporting statute of limitations has...
Can I Have Bankruptcy Removed From Credit Report?

Saturday 9 February 2013

Christina Costanza

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Christina Costanza

Friday 8 February 2013

Good Credit Management Starts With Understanding Your Credit Report

It isn’t easy to get and maintain a good credit score.  It takes years of good money management to build up a good credit score but it doesn’t take much to damage your credit score.  Before you buy a car, secure a home loan or simply apply for credit cards, you need to know what’s on...
Good Credit Management Starts With Understanding Your Credit Report

What Is Experian Credit Report Contact Info?

Experian is one of the three major credit reporting agencies in the United States. Like its competitors Equifax and TransUnion, Experian is governed by federal laws such as the Fair Credit Reporting Act (FCRA). Experian credit report contact info covers several categories including the business...
What Is Experian Credit Report Contact Info?

Thursday 7 February 2013

What Credit Score Do I Need to Lease an Audi?

If you are looking to lease an Audi, your credit score is one of many factors to consider. Audi vehicles start at around $27,000. Many of their sports coupes and sedans can easily be over $50,000 or even $100,000. For that reason, you will probably want to have a credit score that is no lower...
What Credit Score Do I Need to Lease an Audi?

What Credit Score is Needed for a Costco Credit Card?

The Costco credit card is issued by American Express and is considered by many to be the best card on the market. It is affiliated with American Express’s True Earnings program, and when you consider the benefits, it lives up to that name. Costco is a wholesaler that focuses on selling...
What Credit Score is Needed for a Costco Credit Card?

Wednesday 6 February 2013

Are Credit Scores Different Between the Major Credit Bureaus?

Consumers often ask, “Are credit scores different between the major credit bureaus. The short answer is yes, but the reasons for those differences are many. The primary type of credit score in the United States is the FICO score. The FICO score was developed by a company called the Fair Isaac...
Are Credit Scores Different Between the Major Credit Bureaus?

Tuesday 5 February 2013

Why Is There No Bankruptcy On My Credit Report Even Though I Filed A Case?

One of the unfortunate realities of filing any type of personal bankruptcy is that information can legally show up on your Equifax, Experian, and TransUnion reports. However, in some instances there might be no bankruptcy on a credit report even though you filed a case. This is the exception...
Why Is There No Bankruptcy On My Credit Report Even Though I Filed A Case?

Monday 4 February 2013

Will Filing Chapter 7 Bankruptcy Improve My 2013 Credit Score?

While you should not unnecessarily file Chapter 7 bankruptcy, filing a case might be a good idea if you are already in a lot of debt and cannot pay it. Everyone’s credit score, financial situation and bankruptcy eligibility varies and this blog never constitutes formal legal advice. If you...
Will Filing Chapter 7 Bankruptcy Improve My 2013 Credit Score?

Sunday 3 February 2013

Do Credit Scores Change Monthly?

It is a good time to explain just what is free to access and what is not.  There is confusion about whether credit reports and credit scores are free. Each of you is entitled to one free copy of your credit report  once every 12 months from the credit bureaus of TransUnion, Experian and...
Do Credit Scores Change Monthly?

Thursday 31 January 2013

Should I File Chapter 13 Bankruptcy In 2013?

A harsh reality of 2013 is that many Americans are in much more debt than they can comfortably repay. While bankruptcy is a serious matter, people in serious financial trouble might benefit economically and actually improve their credit rating by filing Chapter 13 bankruptcy. Chapter 13 allows...
Should I File Chapter 13 Bankruptcy In 2013?

Wednesday 30 January 2013

How To Avoid Falling For Credit Myths In 2013

The first part of a New Year is a great opportunity to learn more about credit myths and credit facts. Even if you do not use credit cards, you still need a positive credit report to qualify for housing rentals and even some types of jobs. So, take this quick quiz and along the way learn just...
How To Avoid Falling For Credit Myths In 2013

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Tuesday 29 January 2013

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Who Can Access A Credit Report?

In this day and age of identity theft and general privacy violations, you are probably wondering just who can access a credit report. The good news is that a federal law called the Fair Credit Reporting Act (FCRA) makes it very hard if not impossible for your neighbors, friends, and co-workers...
Who Can Access A Credit Report?

Monday 28 January 2013

How Long Does A Bankrupty Stay On Your Credit Report?

Filing bankruptcy is usually an emotionally exhausting time for people, though usually there is at least some financial and emotional relief at the end of the process. Whether you file for debt forgiveness in Chapter 7 or a partial debt repayment plan under Chapter 13, your financial matters...
How Long Does A Bankrupty Stay On Your Credit Report?

Friday 25 January 2013

What Is The 1800 # For My Free Yearly Credit Report?

While the Federal Trade Commission strongly encourages Americans to request their free annual credit reports online, some people do not have Internet access or do not want to transmit their Social Security number over Internet connections. The answer to the common question of, “what is the...
What Is The 1800 # For My Free Yearly Credit Report?

Thursday 24 January 2013

Are Credit Scores Combined When You Get Married?

Many of those considering marriage ask the question; “Are credit scores combined when you get married?” Marriage is a wonderful institution; it’s an exciting time in a person’s life. Getting married will influence many things in your life, and one of those will be your credit. There are...
Are Credit Scores Combined When You Get Married?

Wednesday 23 January 2013

What Is A Credit Rating Score Scale?

While it is important to make a decent living and stay at one residence for at least two years if you wish to be considered a financially responsible citizen, you also need an acceptable credit score. A credit rating score scale can seem confusing to consumers. However, remember that the higher...
What Is A Credit Rating Score Scale?

How Does Marriage Affect Your Credit Score?

Marriage is a wonderful institution, and it affects many things, but not your personal credit score. The credit score of your life partner however could affect your ability to get a mortgage or other joint loan. If you and your future partner apply for a mortgage, both of your credit scores will...
How Does Marriage Affect Your Credit Score?

Monday 21 January 2013

How Can I Remove Something From My Credit Report?

The major United States credit bureaus Equifax, Experian, and TransUnion can play a very important role in your life. These three companies keep records of your bill-paying history and upon request release copies of the documents to your potential landlord, employer, utility service, insurance...
How Can I Remove Something From My Credit Report?

Wednesday 16 January 2013

Knowing how high your credit score needs to be to lease an Acura is very important. Acura is one of the most well-known brands in the luxury car market. Getting a lease with the best terms will usually require a credit score of at least 651. But as we’ll explain, if your credit score is lower,... How High Does My Credit Score Have to be to Lease an Acura?

Knowing how high your credit score needs to be to lease an Acura is very important. Acura is one of the most well-known brands in the luxury car market. Getting a lease with the best terms will usually require a credit score of at least 651. But as we’ll explain, if your credit score is lower,...
How High Does My Credit Score Have to be to Lease an Acura?

One of the most common questions consumers have is “Are charge cards bad for credit scores?” How a charge card will affect a credit score depends very much on how it is used by its owner. If someone carries very high balances from month to month and misses payments regularly, the effect on... Are Charge Cards Bad for Credit Scores?

One of the most common questions consumers have is “Are charge cards bad for credit scores?” How a charge card will affect a credit score depends very much on how it is used by its owner. If someone carries very high balances from month to month and misses payments regularly, the effect on...
Are Charge Cards Bad for Credit Scores?

The accuracy of online credit scores is a topic that is much debated. The truth is that the answer to that question depends on a variety of factors. There are in fact many different ways that credit scores are calculated. Different companies that supply credit scores factor in different items... What is the Accuracy of Online Credit Scores?

The accuracy of online credit scores is a topic that is much debated. The truth is that the answer to that question depends on a variety of factors. There are in fact many different ways that credit scores are calculated. Different companies that supply credit scores factor in different items...
What is the Accuracy of Online Credit Scores?

Thursday 10 January 2013

This is the type of ad that is appearing more and more on dating sites around the country. Romantic it is not, but more and more singles are cutting through the chase about what they expect from a potential mate. We have all become well aware of the importance of our credit scores during the... Seeking a Good Heart, With a Great Credit Score!

This is the type of ad that is appearing more and more on dating sites around the country. Romantic it is not, but more and more singles are cutting through the chase about what they expect from a potential mate. We have all become well aware of the importance of our credit scores during the...
Seeking a Good Heart, With a Great Credit Score!

Every American got a right to see a free annual credit report in 2003 when President George W. Bush signed Fair and Accurate Credit Transactions Act (FACTA) into federal law. FACTA updated the Fair Credit Reporting Act (FCRA) and made it much easier for Americans to see their credit reports. The... What Is A Free Annual Credit Report?

Every American got a right to see a free annual credit report in 2003 when President George W. Bush signed Fair and Accurate Credit Transactions Act (FACTA) into federal law. FACTA updated the Fair Credit Reporting Act (FCRA) and made it much easier for Americans to see their credit reports. The...
What Is A Free Annual Credit Report?

Wednesday 9 January 2013

How Can I Get A Free Credit Report In 2013?

The New Year has officially begun and it’s a great time for all of us to review our credit reports. Life gets so busy that some of us forget we are entitled to at least one free credit report a year. So one of your first New Year’s resolutions should be to review each of your credit reports...
How Can I Get A Free Credit Report In 2013?

Tuesday 8 January 2013

Reduce Your Credit Card Balances in the New Year

The average American household carries about $15,000 of credit card debt, which can wreak financial havoc on hard-working families. Not only does excessive credit card debt drain your wallet, but it also decreases your credit score. If you have a high amount of credit card debt, chances are you...
Reduce Your Credit Card Balances in the New Year

Monday 7 January 2013

Credit Score Awareness Should Be Your First New Year's Resolution

Now that 2013 has officially begun, many people tend to make at least one New Year’s resolution. You might want to lose extra pounds or pay off more of your high-interest debt. While these are worthy goals, you should start your New Year off right with credit score awareness. While many...
Credit Score Awareness Should Be Your First New Year"s Resolution

Friday 4 January 2013

How long will it take for my credit score to go up from 570?

If your credit score is at 570 or lower, you may be wondering how long it will take to increase your credit score? While it would be nice to give you a firm timeline, the answer will vary from individual to individual. That being said, here are some general guidelines. An important thing to...
How long will it take for my credit score to go up from 570?

Thursday 3 January 2013

Does a loan modification affect my credit score?

You may be wondering if a loan modification will affect your credit score?  The short answer is … maybe. There are two things to consider. Do you need a modification? And, if so, how will the lender report the modification? First you need to determine if there’s an opportunity to refinance...
Does a loan modification affect my credit score?

Wednesday 2 January 2013

How to repair a credit score by lowering your credit card balance

If one of your New Year’s resolutions is to improve your financial fitness, you may wonder how you can repair your credit score by lowering your credit card balance. Before you start beating yourself up about this year’s Holiday shopping bills, here’s some practical advice that may help...
How to repair a credit score by lowering your credit card balance

Tuesday 1 January 2013

What goes into the calculation of credit scores?

“How does my credit score get calculated?” It’s a question that has a surprisingly simple answer. Every credit bureau bases your credit score on five key variables. They are as follows. The two largest factors of what goes into the calculation of credit scores are your payment history and...
What goes into the calculation of credit scores?