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1. Payment History -- 35%The number of accounts paid as agreed and a good payment history give you a higher score.Negative points lower credit scores because of 30 days, 60 days, and 90 days late on any debt. The dollar amount of these delinquencies also impacts credit scores. Severity of delinquency, how long past due, and number of delinquencies are... Read More
Here are some useful credit card tips for you to consider before applying for a credit card. Before applying for a credit card, you should decide why you want one, and make sure you can use it wisely.More and more people use plastic as their main means of paying for goods and services. Today our entire financial system relies on... Read More
As you probably know, interest rates are at all time low right now and if you aren't getting the best deal from your credit card company then they owe it to you to either lower your rate, or you owe it to yourself to find a better deal. You see, credit card companies need your business in order to succeed... Read More
It's the number one source of consumer complaints at the Federal Trade Commission (FTC), and unfortunately, it's one of the simplest crimes to commit. Identity theft involves information from your daily life, from shopping, bill-paying, and even applying for a job. Thieves take advantage of everyday opportunities to discover your personal information, including your Social Security number (SSN), bank or... Read More
How to Repair a Bad Credit Rating?The Right Way!If you have a bad credit rating, then you might find that your ability to get financing, loans, and even some jobs is greatly diminished.Once you have a bad credit rating, it might seem like there's nothing that you can do about it? but you don't have to believe that. It's not... Read More
In the new millennium plastic money or credit cards has rendered a new zing factor to your pocket. This has not only made you economically more flexible but subsequently added glamour to your financial image as well. No more bulging out hip pockets with excess of liquid cash. Instead, the slimmer your pocket; the smarter you look. But behind all... Read More
Do you know what your credit card is truly costing you? Many people assume that they do, but aren't familiar with the hidden fees that many credit card companies are charging. In fact, if you don't keep close tabs on your credit card, you may end up paying hundreds of extra dollars per year-without ever really knowing it!And if you're... Read More
Today, credit is an indispensable part of our lives. In order to get the things you need, such as a home or a car, you have to apply for a credit. But you cannot get a credit without having a credit history, and you cannot get a good quality credit without having a good credit history. So, it is important... Read More
Credit cards can be a very quick way of getting into even more debt if you do not know how to use them properly. UK debt is now at an all time high and, excluding mortgages, Credit Cards are one of the main contributors.It's a lot easier to get a credit card than it is to get a mortgage or... Read More
Spending HabitsSo you've just got your credit card. The first thing you need to be wary about is that a credit card is very easy to use - afterall you can shop in stores, via catalogs and online with your credit card. As it is so easy to buy things with it you can find that you actually spend more... Read More
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You've decided to apply for a Citi MasterCard, but with... Read More
Did you apply for a personal loan only to be... Read More
If you have never heard of a FICO score before,... Read More
There are no secrets to repairing your credit. Many shady... Read More
Bewildered by the sheer variety of debit cards and credit... Read More
You can stop receiving credit card offers in the mail!... Read More
Parents have the full responsibility for their children and their... Read More
Anywhere you go online nowadays, you will see a multitude... Read More
Is identity theft really that serious? Thousands of people every... Read More
Your credit rating / credit score is based upon how... Read More
FREE credit checks or free credit reports. What are they... Read More
Fixing a credit report starts with seeing what's on it.... Read More
Have you ever wonder about how to get good credit... Read More
There are so many credit cards out there to choose... Read More
Let's be crystal clear, right up front. Paying someone to... Read More
They arrive in your mail - a conspicuous looking mail... Read More
A lot of people have bad credit. It is unfortunate... Read More
If gold medals were awarded for marketing consistency, the credit... Read More
Credit card companies want your business. After all, lending money... Read More
When applying for a loan to purchase a car, the... Read More
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