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?