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?