Credit Score

Is 700 A Good Credit Score

nabil — Tue, 08 Sep 2009 14:19:54 +0000

So you have contacted one of the “big three” credit bureaus (Experian, TransUnion, or Equifax) and received a free copy of your credit report. As you are looking over this information, your eye catches a number which seems to stand out from the page. You stop to scrutinize the text explaining the number, and you [...]

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Make My Credit Score Shine – 3 Steps To A Higher Score

nabil — Tue, 08 Sep 2009 14:19:13 +0000

Pay on time, all the time. It’s simple: Late payments, collections and bankruptcies have the greatest negative effect on your credit scores. By being punctual, you can keep your score up (and your interest rates down). Some folks struggle with making payments on time. Are you usually late? The best thing to do is sign [...]

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Raising My Credit Score – 5 Ways

nabil — Tue, 08 Sep 2009 14:18:23 +0000

Third, make sure you are paying all of your bills on time. If for some reason you are behind on your payments, contact each of your creditors and ask them for an extension on your payment due dates. You may also sometimes be able to negotiate a lower minimum payment for certain credit cards or [...]

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Repairing Your Credit Score

nabil — Tue, 08 Sep 2009 14:17:33 +0000

A credit score is computed by the credit bureaus based on your credit history and other financial information. In return, lenders can view a credit score to determine the amount of risk that will be associated with making a loan to a particular person. Credit card companies, mortgage lenders, financial institutions, and many other lenders [...]

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What is Considered a Good Credit Score

nabil — Tue, 08 Sep 2009 14:16:16 +0000

The most popular type of credit score among lenders is the FICO score. More than 80% of the banks in the United States use this type of score. Usually, you will have a separate and distinct score from each of the three main credit bureaus, which are Equifax, TransUnion, and Experian. These scores are taken [...]

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Here Are 10 Ways To Improve Your Credit Score

nabil — Mon, 07 Sep 2009 08:00:18 +0000

You have the right to dispute anything on your credit report that you feel is inaccurate, that means late charges, credit cards that you may not have ever had (from someone else’s report – it happens). One thing you must be aware of – it is not as simple as articles on the web make it [...]

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7 Ways To Raise Your Credit Score

nabil — Mon, 07 Sep 2009 07:59:12 +0000

Too many applications for credit will lower your credit score, whether or not you get the loan. Raise your credit score by minimizing the number of times you apply for credit. Besides incurring needless late fees and penalties, your creditors will report your bad habits and it will result in a lower credit score. Raise your [...]

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Raise Your Credit Score Fast – 3 Things To Do Today

nabil — Mon, 07 Sep 2009 07:57:48 +0000

Once you get your credit report, read it to see if there are errors or incomplete info. For example, if you noticed that a particular report contains an unpaid debt but you previously paid it, you have to correct the error by sending a letter and the proof that you paid the debt in full. [...]

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Exactly What Does Your Credit Score Mean

nabil — Mon, 07 Sep 2009 07:56:05 +0000

If your credit score is on the low side, then lenders assume that you will be less likely to pay them back on time. They will either charge you a higher interest rate or possibly even turn your credit application down altogether. If your credit score is in the high range, then you probably will be [...]

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Interpreting Your Credit Score

nabil — Mon, 07 Sep 2009 07:54:38 +0000

If you are undecided about whether or not you should obtain your credit score and credit report then you might as well obtain your credit report for free. There are many reasons why, but the best reason of all is so that you can keep track of your credit reports and what’s listed. There are [...]

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