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Most Recent Articles in Credit Score

  • The essence of the credit score and what it means to people

    by Janet Lacey

    Image has always been important to people. It is a person s image that is there for the vast majority of people to scrutinize and evaluate and though it may be incredibly unfair for people to be judged solely by perceptions, it still holds true that for the most part such … (more) December 12, 2011

  • Spelling Your Life Using Numbers on Credit Scores

    by Janet Lacey

    It is such a wonder how such complicated ideas like credit worthiness can be expressed in simplistic numerals. And what s even more striking is that these simple numbers can also spell! What? Numbers spell? I know it sound silly, but I can explain this logic does hold water. We are … (more) November 22, 2011

  • Recovering from Investment Losses

    by Janet Lacey

    It has been over a year since the worst crisis in decades rocked U.S.A. Some have managed to bounce back but average investors still digging their way out to stand again. Older Americans are struggling to recover from their losses. According to Jack VanDerhei, a researcher says that the median … (more) October 20, 2011

  • Helpful Statistics on Credit Report and Credit Scores

    by Janet Lacey

    Almost everyone, if not all, specifically those credit card holders and the likes, are of course, interested on information about or that pertains to credit report and scores or credit ratings. The average credit score in the United States of America is 693. And the area or region in United … (more) October 15, 2011

  • Will there be a Future Global Scoring Scheme

    by Janet Lacey

    It may only be a dream or fantasy to have the concept of a global credit score. But what if the world would be integrated in to a single credit scoring model or scheme? Although a lot of people debate on such topic, having it planned or even mobilized in … (more) October 3, 2011

  • The Truth behind Credit Card Reward Programs

    by Janet Lacey

    If one can make an observation, the credit card default rate in 2009 was the highest it s been since 1991. In the last year, 15 percent of American adults, or nearly 34 million people, have been late making a card payment. Many cardholders these days may forget or really have … (more) September 15, 2011

  • Rebuilding Credit and Post- Bankruptcy

    by Janet Lacey

    Here are some important updates for all of us to consider regarding the general issue of credit. Excellent credit scores and access to good credit cards of consumers are very much recognized by major lenders before they could lend money to the consumers. However, since the 9/11 attack, many companies … (more) September 10, 2011

  • Be Wary and Protect your the Valuable Credit Rating

    by Janet Lacey

    We have a new problems looming over the horizon. Due to the ever growing internet s easy accessibility and the ever growing diversity in committing crime, specifically identity theft, even good credit ratings or credit scores are in danger of becoming a risk for creditors to take because of these identity … (more) September 5, 2011

  • Aspire Act: A Trust Fund for New Born Babies

    by Janet Lacey

    In the past and at present, having a trust fund is still hard for some. But what if there would be a trust fund for a new born baby? It may sound as just an illusion or just a dream, for, not only that it sounds impractical, it is indeed … (more) September 2, 2011

  • Credit score knowledge deficiencies

    by Janet Lacey

    A recent study by Washington Post reveals that majority of Americans are not aware about how a credit scores is obtained and the ways by which it affects consumer chances to qualify for car loans, mortgage and credit card applications. The Consumer Federation of America and Washington Mutual Inc. commissioned … (more) January 26, 2011