Improve your Credit Score!
Of all the painless ways to save money, improving your credit score is arguably the most important. From home loans and car loans, to credit cards and auto insurance, a good credit score can save you a small fortune. Over a lifetime, the savings can easily reach tens of thousands of dollars.
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Shocking Facts About Your FICO Score!
Figures provided by FICO Inc. show that 25.5% of consumers (nearly 43.4 Million people) now have a credit score of 599 or below, marking them as poor risks for lenders...
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How One More FICO Score Point Can Save You $11,000
A customer with a 679 credit score recently walked away from buying a house because he could not get the best interest rate on a $100,000 mortgage. Had his score been 680...
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How the Difference Between Good and Bad Credit Can Impact You
How does credit impact you? Here is a example: $150,000 mortgage with a 30 year fixed rate with 20% down. The difference between great credit and just getting approved credit:...
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Correcting All Three Credit Reports is Important
Correcting and fixing all three credit reports is important because some lenders or business people purchase the three in one credit report that includes a credit score...
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How Long Do Negative Accounts Remain on a Credit Report?
How long do negative accounts stay on your credit report: Default on a loan = 7 years; Collection accounts, Repossession, Charge-offs, Medical bills = 7 years; Bankruptcy = 10 years...
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Closing an Account
Closing an account you wish you never met doesn’t make it go away. A closed account will still show up on your credit report and be considered in computing the score...
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Applying For Loans? Take Caution
One very easy way to hurt your credit is by applying for loans. You want to AVOID large numbers of inquiries on your credit report, particularly if you have few accounts...
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Identity Theft
In 2003, the Federal Trade Commission estimated that more than 10 million Americans had been the victims of identity theft. That is a huge number. It is very important...
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Paying More for Bad Credit
A bankruptcy will cost you more in insurance premiums, particularly for homeowner’s and auto insurance. The insurance mavens and their henchmen love credit scores...
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Consequences of Having Less Than Perfect Credit
Your credit score is a critical measure of your credit standing used by creditors who want a assessment of your risk potential as a borrower. The higher your score...
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Tips to Ward Off Collectors
To file a complaint against a collector who is harassing you, contact the FTC at www.ftc.gov or 1-877-382-4357. The FTC won’t follow up for you on your specific case...
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Improve your Credit Score!
Of all the painless ways to save money, improving your credit score is arguably the most important. From home loans and car loans, to credit cards and auto insurance...
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Insurance Premiums and Your Credit Score
A bankruptcy will cost you more in insurance premiums, particularly for homeowner’s and auto insurance. The insurance mavens and their henchmen...
