Friday 21 March 2014

Should Credit Scores Be Used for Employment?

One of the big conversations regarding credit scores on Twitter is in regards to employment. Should employers have access to your credit score, and should they use it to decide whether to hire you or not?
One post said that it should be outlawed to use credit scores as part of the screening...
Should Credit Scores Be Used for Employment?

What Have You Posted on Facebook Lately That Will Hurt Your Credit Score?

Social networks have been gaining ground as solid places to obtain information about people. College recruiters and admissions use it as a way to determine who is a good candidate for their schools. Employers and HR personnel check online profiles of job candidates. Now lenders may be using your...
What Have You Posted on Facebook Lately That Will Hurt Your Credit Score?

Thursday 20 March 2014

Are Student Loans Included In Bankruptcy?

For the most part, student loans cannot be discharged through the bankruptcy process. In other words, you’ll still owe the full amount when you’re through. However, there are extenuating circumstances that may apply in rare cases. Here are the tests the courts apply when considering...
Are Student Loans Included In Bankruptcy?

What is Chapter 13 Bankruptcy?

Personal bankruptcy is declared when an individual can no longer repay their debts. This may be the result of a lower income due to job loss or it may be the result of irresponsible spending. There are many different reasons for declaring bankruptcy, and several different types.
Chapter 13...
What is Chapter 13 Bankruptcy?

Wednesday 19 March 2014

Do You Have a Facebook Credit Score?

Facebook and other social media sites play a bigger role in our everyday lives than people ever thought would be possible. Recruiters use these sites to determine if an applicant is hirable material, so why should anyone be surprised if they are also used as information for lenders and other...
Do You Have a Facebook Credit Score?

Can You Improve a Bad Credit History?

When you have bad credit, it can be difficult to get credit and loans. Even if you are approved, it is often at higher interest rates. But you don’t have to be stuck with a bad credit rating forever.
Your Credit History is Important
Your credit history provides a picture that tells...
Can You Improve a Bad Credit History?

Tuesday 18 March 2014

Bad Credit Scores Can Hurt You in Many Ways

While you may know that bad credit scores can have a negative impact on loan and credit applications, you may not think about all of the other ways they can affect your life. People look at your credit score to determine how responsible you are and if you pay your bills on time. Here are some...
Bad Credit Scores Can Hurt You in Many Ways

How to Start Out Right With Credit

If you’ve just received your first credit card, congratulations. You are now part of the millions of people who have a credit history. The time to learn about being a responsible manager of credit is before you swipe that card for the first time. Follow these tips and you will be well on...
How to Start Out Right With Credit

Monday 17 March 2014

Find Out Your Credit Score: Here are 5 Reasons Why

Many people assume they know their credit standing. “Oh, I have terrible credit; I couldn’t get a loan,” they say. Or worse yet, they assume they have great credit until they are turned down for a loan or credit application. It’s important to know your credit score; here...
Find Out Your Credit Score: Here are 5 Reasons Why

How To Establish Credit From Scratch

No credit, no problem! Sound familiar? It’s a common tagline used amongst small buy here pay here auto dealerships to attract those with little to no credit history. And it doesn’t sound like such a bad deal until they whip out the ridiculous financing terms.
Exorbitant interest rates and str...
How To Establish Credit From Scratch

What Credit Score Do I Need for Arizona RoomStore Credit?

The Arizona RoomStore is a locally owned furniture retailer with stores in several Arizona cities. It features many name brands for every room in your home. It also offers the option to finance your purchases if you do not want to pay it in full at the time.
The Arizona RoomStore credit card is...
What Credit Score Do I Need for Arizona RoomStore Credit?

Friday 14 March 2014

What Credit Score Do I Need to Get Star Furniture Credit?

Star Furniture is a retailer that serves customers in Texas. You can also shop for items online and add them to your shopping list. You can find everything from living room and bedroom furniture to drapery and area rugs. If you do not want to pay for your purchases with cash, you can apply for...
What Credit Score Do I Need to Get Star Furniture Credit?

5 Steps to a Better Credit Score

Here are a few things you can do to improve your credit score. Some will make a difference quicker than others, but all will take you in the right direction.
1. Ask for a credit line increase. If you are able to handle credit responsibly and don’t max it out each month, you can ask your...
5 Steps to a Better Credit Score

Thursday 13 March 2014

Is Your Credit Score Too Low to Get a Mortgage?

You may be concerned that your credit score is too low to get a home loan. In fact, you may have already been turned down by one or more lenders. If you are at the point of giving up on the American Dream, don’t despair quite yet. You do have other options.
A Traditional Mortgage
If you...
Is Your Credit Score Too Low to Get a Mortgage?

Can Bankruptcy Improve Your Credit Score?

Most people would immediately assume that the answer to this question would be “no.” After all, bankruptcy is often viewed as a negative option, a last resort when you can’t pay your bills. So, how could it possibly improve your credit score?
A Clean Slate
Once your debts have...
Can Bankruptcy Improve Your Credit Score?

Wednesday 12 March 2014

What About Your Hidden Credit Score?

After the housing crisis of 2008, many lenders tightened their restrictions and only approved loans for those with excellent credit. Now that the economy is recovering, some lenders are trying to ease those restrictions and provide loans for people with subprime credit.
Subprime Credit
Subprime...
What About Your Hidden Credit Score?

How One Change Can Improve Your Credit Score

There is one thing you can do that will drastically change your credit score. It won’t happen overnight, but it will happen in time. And that one thing is to pay your bills on time. It sounds easy, right? And yet, it can be quite difficult.
Whether you live on commissions that change or...
How One Change Can Improve Your Credit Score

Tuesday 11 March 2014

Tracking Debit Card Usage to Improve a Credit Score

Suze Orman, a personal financial expert with her own show, has begun a campaign on change.org to change the way credit scores are calculated by creating a petition to have debit card usage added to credit reports. This could allow many people to have a broader credit history who currently...
Tracking Debit Card Usage to Improve a Credit Score

Could Your Facebook Friends Hurt Your Chances of Getting a Loan And Hurt Your Credit Score?

When you apply for a home loan, you expect your lender to pull your credit report, check your employment history, and do other background research. But do you expect them to check up on you on Facebook?
That is exactly what is happening with some lenders. While it is not yet a widespread...
Could Your Facebook Friends Hurt Your Chances of Getting a Loan And Hurt Your Credit Score?

Monday 10 March 2014

Understand How Debt Consolidation Works

The object of debt consolidation is simply what the word “consolidation” indicates; you lump all the debts you have into one payment to make your budget easier to live with and your life less stressful. This can make it easier to pay your debts, and it can even make it possible to pay them off so...
Understand How Debt Consolidation Works

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

Wolf Furniture is a furniture retailer that features classic and rustic design. They are a regional chain with stores throughout Pennsylvania and Maryland, and one store location in Virginia. Wolf’s carries furniture for the bedroom, living room, dining room, and home office, as well as...
What Credit Score is Needed for a Wolf Furniture Credit Card?

Friday 7 March 2014

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

City Furniture is an environmentally conscious furniture retailer that offers a wide range of indoor and outdoor furniture and accessories that are crafted from sustainable materials. In addition, City Furniture offers residential design services. The Florida retailer has several locations...
What Credit Score is Needed for a City Furniture Credit Card?

How To Boost Your Credit Score Without Debt

Has your credit taken a hit, and you desperately need a boost to help you qualify for a lower interest rate on that big-ticket item you are looking to finance? Whether it’s a new house, car or boat, a higher credit score could substantially lower your interest rate and save you hundreds or even t...
How To Boost Your Credit Score Without Debt

What Credit Score is Needed for a Baer"s Furniture Credit Card?

Baer’s Furniture is a family-owned Florida company that offers designer furniture with both modern and classic aesthetics. They have 15 locations throughout central and south Florida. Baer’s carries a wide range of indoor and outdoor home furnishings and accessories. They also offer...
What Credit Score is Needed for a Baer"s Furniture Credit Card?

Thursday 6 March 2014

What Credit Score is Needed for Credit at Farmer’s Home Furniture?

Farmer’s Home Furniture is one of the largest privately owned furniture stores in Georgia and has been around since 1949. They offer more than just furniture; they also sell washers, dryers, small appliances and electronics. Farmer’s Home Furniture even has toys for the kids. They have locations ...
What Credit Score is Needed for Credit at Farmer’s Home Furniture?

What Credit Score is Needed for El Dorado Furniture Credit?

El Dorado Furniture is one of Southern Florida’s largest family owned and operated furniture stores. They first opened in 1967. Since then, they have grown to twelve “Boulevard “showrooms, which are modeled as a Main Street surrounded by shops that showcase their different lines of furniture. The...
What Credit Score is Needed for El Dorado Furniture Credit?

Wednesday 5 March 2014

What Credit Score is Needed for Sleep Country USA Credit?

Sleep Country USA is a mattress store with locations in Oregon, Idaho, and Washington. The company has been in existence since 1991 and carries a variety of mattress brands. They also have other sleep essentials, including bedding and beds. To pay for your purchases, you may qualify for one of...
What Credit Score is Needed for Sleep Country USA Credit?

What Credit Score is Needed for a RC Willey Credit Card?

RC Willey is a furniture retailer that carries everything from furniture to electronics to appliances. You can also buy flooring and mattresses and even outdoor items from RC Willey. They offer financing for anyone who cannot or doesn’t want to pay their entire balance at the time of...
What Credit Score is Needed for a RC Willey Credit Card?

Tuesday 4 March 2014

What Credit Score Do I Need to Get Jerome"s Furniture Credit?

Jerome’s Furniture is a popular retailer that has been in business for over 60 years. They carry furniture for every room and every style from mattresses to patio furniture. You’ll even find accents and décor for your home at Jerome’s. Pay for it all with one of the financing ...
What Credit Score Do I Need to Get Jerome"s Furniture Credit?

What Credit Score Do I Need for Walker Furniture Financing?

Walker Furniture is a retailer that has been in business since 1960. The original and now largest showroom is located in Las Vegas, Nevada with several other stores in existence. The company sells furniture for your entire house, from the living room to a home office. You can also apply for...
What Credit Score Do I Need for Walker Furniture Financing?

Monday 3 March 2014

What Credit Score Do I Need for Sleep Train Credit?

Sleep Train is a mattress retailer; they also sell beds and pillows and other sleep accessories. They offer several financing options for people based on their needs and credit profile. They are a regionally chain with stores throughout California.
If you cannot qualify for any type of...
What Credit Score Do I Need for Sleep Train Credit?

What Credit Score Do I Need for a Sam Levitz Furniture Credit Card?

Sam Levitz is a furniture retailer that offers a variety of brand-name furniture for your entire house. Find sofas and recliners for your living or family room, beds and dressers for your bedroom, and many other pieces to help you furnish any room in your home. In addition, with the Sam Levitz...
What Credit Score Do I Need for a Sam Levitz Furniture Credit Card?