| Don't Use a Credit Card to Pay Your Medical Bills
September 26, 2009 at 5:22 pm
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| | Using a credit card to pay off your medical debts can be very tempting. But doing so will add a high percentage rate to your medical debt. Your medical debts will continue to grow if you don't pay your card off quickly. Plus, large credit card debts may cause you to receive higher interest rates on other lones. Keep in mind, creditors usually view medical debt with some sympathy. They don't view credit card debt the same way they do medical debt. |
| How to Raise Your Credit Score
September 26, 2009 at 12:33 pm
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| | Charge offs are the one thing that will really bring down a person's credit score. While these negative marks are the last thing that you want to have on your credit report, you should know that if you do have them on there, you do have hope of getting them off so that you can raise your score. |
| Phases of the Credit Restoration Process and Repair Options to Increase Your Score
September 26, 2009 at 11:54 am
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| | Planning - it is at this stage you decide which method you'll use to clean up the mess that has been done to your file. That is either the self-help or the repair agency methods. |
| What to Do to Get Approved For a Home Loan If You Have Bad Credit
September 26, 2009 at 11:45 am
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| | Getting a home is not as difficult as some people make it. So long as you got a steady and well-paying job, there's no reason why you shouldn't join. |
| Beating Collectors With Credit Repair
September 26, 2009 at 11:38 am
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| | Collectors can be aggressive, but you do not have to stand for it. Here are the credit repair techniques you can use to prevail. |
| How You Can Upgrade a Bad Credit Rating in a Simple Way
September 26, 2009 at 11:12 am
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| | True there's no shortcut to success. But there are ways and means of getting things done in the simplest forms without stress or regrets, though I must remind you that 'effort' is essential just in case you're wondering if there's any method of raising your credit rating simply by word of mouth. |
| What You Need to Know About the Credit Dispute and How it Works
September 26, 2009 at 11:12 am
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| | Credit dispute or disputing a bad/negative account on a file is a process of writing letters to reporting agencies with the purpose of challenging those negative accounts on your file. The dispute process, once started, orders the credit bureau to begin an investigation into the account you're challenging. |
| What Can I Do to Clean Up a Bad Credit Report?
September 26, 2009 at 11:11 am
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| | There are two basic ways through which you can clean up negative entries from your file. It is very important that you learn how, particularly when you plan to apply for some kind of loan in the near future. The two ways you can get this done are the do-it-yourself and the agency services methods. |
| How You Can Improve Your Job Searching Process by Using Your Credit Rating and Score
September 26, 2009 at 10:48 am
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| | Your credit score is synonymous with your rating. There's no way you'll have a good score and a bad rating or vice-versa. |
| Understand Factors of Your Credit Score
September 26, 2009 at 10:36 am
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| | We are all aware of how important credit scores are. It is our ticket to having our credits approved whether it is a card, mortgage or car loan. It represents the risk a lender will embark in if he lends us a certain amount. Our score will also help determine the terms of our loan and the amount we can borrow. However, what are the factors that affect it? How can we make sure that our credit score looks good? |
| FICO Score Category 1 - Payment History
September 26, 2009 at 10:27 am
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| | How well do you know your credit payment history? Your payment history counts for 35% of your FICO score and is the most heavily weighted category in the calculation. There are many pieces to your payment history. This article discusses what to look for and some of the impacts of paying late. | | | 
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