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?