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?