Credit Report News, Tips & Advice
Website CertifiedPrivacy Protected

Most Recent News in Credit Report Advice

  • How does a credit report affect your life?

    by Andy Snyder

    Payments, bills, purchases and credit card transactions are but normal in our daily routines. We buy something, next, we pay up. And all these reflect on a report that can be used to measure an individual’s spending patterns and most especially, his/her payment report. An unpaid credit card payment or a loan payment can greatly affect someone’s credit rating. As said earlier, it can and will reflect on a report that is almost very permanent. What is that report, you … (more) December 2, 2010

  • Simple steps in clearing your credit record

    by Andy Snyder

    Millions of Americans make financial deals and decisions every day. And all of those decisions and steps are put into records and are documented for different purposes. This is what credit bureaus essentially do: they make sure every purchase, payment, transaction and even delayed and skipped ones are put into a record. This information will then be used by different companies in order to evaluate each and every consumer and calculate their spending powers and payment capabilities. Imagine those millions … (more) November 28, 2010

  • Perks of good credit records and some tips to keep it that way

    by Andy Snyder

    Credit records are supposed to help you understand your finances more. Being afraid of it won’t do you any good since you’d have to deal with it all your life if you want to progress financially. So it would be best for you to look at it in a more positive way. You should try looking at it in an incentive type of way. You just enumerate the different positive things that can come from a good credit record: First … (more) November 18, 2010

  • Tips on how to monitor your credit records effectively

    by Andy Snyder

    Spending and paying for your bills and services may be as simple as it sounds. You just avail of services and purchase stuff and then everything is okay. Well, it is really not that simple. You see, everything you do in your finances reflect on your credit record and a messy and low credit score or rating can pretty much screw everything up for you. Loans will become more expensive, job opportunities will be fewer and the list of problems … (more) November 12, 2010

  • Manual or professional help – choosing the best for your credit record needs

    by Andy Snyder

    If you are reading this article right now, you probably have an idea of how your credit score works and how it affects your daily life. You probably also know that everything that you do in your past financial transactions like purchases, debts, credits and loan application will appear on your credit record. And you are now probably asking how on earth you can keep up with your records. Well, that is what this article would like to give you … (more) November 3, 2010

  • 3 surefire ways to keep a healthy credit record

    by Andy Snyder

    In a world that almost everything is quantifiable and measured, it pays to be more attentive and critical. Today’s financial dilemmas demand more and more people to take good care of their investments and assets in efforts to fight back the recession being experienced by the country. So, with this matter in mind, you should pay more attention to your credit records since it will be the main basis for your financial decisions. It affects the decisions of all companies … (more) October 28, 2010

  • Healthy credit records – Steps into responsible adulthood

    by Andy Snyder

    Being an adult comes with its perks AND responsibilities. You can have the freedom and independence from your parents; you can choose to have any lifestyle you may wish. But you will also have the responsibility of taking care of yourself since you are now a self proclaimed adult. No more allowances from mom and dad, no more school deadlines and you’ll have less time for partying and merrymaking. And since you are now free and independent, you should also … (more) October 18, 2010

  • Tips on achieving a healthier credit record

    by Andy Snyder

    Having a good credit record goes a long way. Now that the recession is kicking in, you might want to keep your expenses and payments to a smaller amount to help you get on and achieve your financial goal. However, this can be difficult with all the errors in credit records and temptations in the market. There will be services and products that will try to lure you into spending needlessly. This will pose a problem to you financially. Aside … (more) October 12, 2010

  • Batting for a good credit score? Here’s an advice

    by Andy Snyder

    Aiming for that elusive 600+ point credit rating can be quite a challenge. Aside from always maintaining a good record by following scheduled payments and etc., there is the probability of having bad remarks on your record. There are different causes that lead to this: an unpaid or delayed payment for even a single bill or loan can make a permanent mark on your record. But there is also the possibility of having mistakes in your credit record. There are … (more) October 1, 2010

  • Be a more responsible consumer – check your credit records

    by Andy Snyder

    Having a negative score or just having a point deduction in your credit rating is not the end of the world. Neither is it a loan rejection or a credit card application. These things all have something in common: yes, they affect your credit rating and credit history; and they put negative scores on your credit record. You should know that a negative credit rating may well mean higher APR’s on loans, insurance, and credit card offers. And once compounded, … (more) September 30, 2010

  • Do you trust your credit report

    by Andy Snyder

    A lot of credit experts suggest that one should have his credit report get monitored regularly so in case some suspicious transactions are done then there is a way to at least stop a bigger and more serious damage. A number of people files complaints in regards with the incorrect information that were reflected on their credit reports. Of course this is not a very surprising thing in America. As a matter of fact, there are about 10,000 who fall … (more) September 21, 2010

  • Conquering Your Credit Report

    by Andy Snyder

    When applying for a credit card or mortgage, people do not usually pay attention to their credit report because they are under the impression that the credit bureaus have the right information about them. As long as they pay their dues on time and avoid being bankrupt, they think that their credit history is clean enough to get them that credit line. That is not how we should handle our credit history. It is important for every individual to review … (more) September 11, 2010

  • How to Be “In-Charge” On Your Credit History

    by Andy Snyder

    A common misconception about credit reports is that they are reliable so people do not monitor them regularly. Plus, they do not care about it until it is necessary to get one like if they are applying for a new line of credit. Most people even rely on the creditors’ judgment on their credit report and what credit bureaus provide them. We should be in charge of our own credit report so we can make sure that their feedback is … (more) September 4, 2010

  • Interesting Facts about Credit Bureaus

    by Andy Snyder

    Whenever we take out a loan, apply for a credit card or any line of credit, the first thing that lenders, banks, and organizations will check would be our credit history. Our credit history basically tells them how good we are in repaying back debts. It will also give them a bird’s eye view of our lifestyle. It includes information about us, identifying information, current and previous employment information, addresses and pone numbers that we currently use and have used, … (more) August 27, 2010

  • How Can I Make Sure I Get a Loan with My Credit Report?

    by Andy Snyder

    An advice to make sure that you get the loan that you need is to make sure that you have a good credit history. A good credit history does not only entail that you have to make on-time payments on your loans. When lenders review your creditworthiness, they don’t look at your credit score alone. All of the information that is stated there in your credit report is important in determining whether they will approve your application for a loan … (more) August 18, 2010