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Most Recent News in Credit Report Advice

  • All I Want for Christmas is My FCRA (Federal Fair Credit Reporting Act)

    by Andy Snyder

    Have you ever experienced feeling small when faced with certain situations like having incorrect data entered in your credit file and afterwards,  paying for its consequence? Are you having the feeling that someone is secretly stealing your identity? Are you 100% sure that the credit score on your file does not justify your financial history at all? Was it too low? All these can add up to your daily stresses. Remove that frown from your face by following this credit … (more) November 20, 2009

  • FICO Versus Vantage: A Cutting Edge Battle

    by Andy Snyder

    It is not only the age of cyber world these days. A lot of new things surfaces every single day from cellular phones to a new type of cancer to Vantage scores. Yes! You heard that right. There is a new way of calculating your credit score called the Vantage Scoring Method. A good credit report advice says – take advantage of it. The Vantage Score is created by the 3 major credit reporting companies. It uses both collective and … (more) November 18, 2009

  • The Love-Hate Relationship Between You and Experian

    by Andy Snyder

    Do you love the services you get from the big 3(Experian, Equifax, and TransUnion) but hate it when you see your scores from them differ from each other? Next thing you know, you are more than confused about your credit scores. You need not worry when faced with situations like this. Among the 3 major credit bureaus, Experian, we can say, has a lot more “experience” regarding situations like this as compared to its competitors. That is one good credit … (more) November 16, 2009

  • Jobs, Loans, Credit Reports – A Healthy Mix of Sangria in the Modern Life

    by Andy Snyder

    Are you aware that your credit reports are not only basically for your loan application? What this may mean is that, credit reports goes as far as being one of the basis regarding your job application by your future employer. This is mainly due to the reason that your credit report not only presents your financial history but your attitude towards your finances and to your life as well. Credit report advice will tell you that you cannot be considered … (more) November 14, 2009

  • Bankruptcy is for Losers; Debt settlement is for Winners

    by Andy Snyder

    Are you “hiding” from your creditors? Do you throw notification letters and bill statements in the garbage without even reading it because you are already aware of what it may contain(threats from the legal counsels of credit companies due to your 90-day delayed payments)?Stop this embarrassing scenarios in your life. Take this credit report advice: settle your debts through an alternative called, debt settlement program or choose a loan modification scheme. The good thing is, you can choose between the … (more) November 12, 2009

  • What a High Score Card may Mean to Your Finances

    by Andy Snyder

    Do you need a loan, a mortgage or simply an increase to your credit limit? As a credit report advice, you should know and prepare the things that are needed to avoid having your application denied. Taking extra caution with regards to your financial activities will go along way when it comes to your loan application. But do you know the bases lending companies use to approve or deny your loan? Have you heard of the FICO scores or score … (more) November 10, 2009

  • Identity Thieves: (A.K.A) The Sleek Virtual Thieves

    by Andy Snyder

    It is the age of cyber world. It is a time wherein, not only your cash or car can be stolen, but your identity as well. Hence the term “identity theft” came into place. This is a crime popular as a Hollywood star especially in credit-inclined negotiations. It does damage to your reputation as well as to your finances. No one wants to be a part of this for it is both dangerous and stressful, so seek for a good … (more) November 8, 2009

  • Rising Above False Reports the Legal Way: An Understatement

    by Andy Snyder

    You thought you have made your point. You are wearing a miniskirt and by all means do not look like a man. But there you see in your credit score report information, you are a “Mr.” instead of a “Mrs.” According to credit report advice, errors far worse than this happens all the time in reports done by credit bureaus. The sad part is, those reports are the ones being studied by lending companies and the bits of errors accumulate; … (more) November 6, 2009

  • How a FICO Score will Make or Break the Potential Borrower in You

    by Andy Snyder

    Being aware of your FICO score is like holding a beam of light in a dark tunnel. You have seen your credit score, and if you’re not happy about it, learning about how FICO scoring system uses score cards and how it affects your loan is the sure way to go. This is one good credit report advice that will never go out of hand. But how do they get these scores? What are the ways to increase your score? … (more) November 4, 2009

  • Why Weaving a Good Credit history Mean Financial Freedom

    by Andy Snyder

    No matter how good you are in handling your finances, there will come a time when you will somehow need to apply for a loan. It may be for a new car or a new house or for unexpected hospital to luxury bills. It just seems so impractical to acquire and pay for these things in cash when you can get a loan and pay in friendly terms. Indeed, this may sound as easy as 1 2 3, well, that … (more) November 2, 2009

  • Detect and Prevent Identity Theft through Your Credit Reports

    by Andy Snyder

    Identity theft is a stealthy crime almost anyone is vulnerable to. It is highly destructive and hard to detect, making it one of the scariest crimes today. Fortunately, detecting identity theft has been made easier with the legal financial documents that you can easily acquire nowadays. These documents, most popularly known as credit reports, can help you tell if someone else is using your name for other transactions. What to do: Request for a free credit report from any … (more) October 29, 2009

  • The Advice that can Change Your Stars

    by Andy Snyder

    People live their lives hoping that something big would result from years of hard work and investment. Sadly not all hard works are automatically translated to financial stability and capability, sometimes hard work is really not enough. When individuals are confronted with financial difficulties they would usually run to lending companies that would give them the cash they need and in return the company would require monetary payments. These payments are usually coupled with interests that will compensate for the … (more) October 27, 2009

  • The Fair Credit Reporting Act and its Benefits

    by Andy Snyder

    If borrowers can always be updated in the content of their credit reports, the financial business of crediting will never be the same. Through the free flow of credit report information, the individuals who want to borrow money will be given an edge to become more credit worthy. Before a lending company approves a loan proposal the borrower’s credit worthiness is initially diagnosed to know whether the credit will be an investment or a liability. Free credit reports are now … (more) October 25, 2009

  • Credit Report Advice as an Answer to Credit Bureaus

    by Andy Snyder

    Credit reports and credit scores are the two most basic assessment tools used by both lending companies and borrowers in looking at the borrower’s current financial situation. These assessments give an overview of the borrower’s credit history that will be used to judge the credit worthiness of the borrower. Credit reports would usually include six parts: Personal information; The profile Summary or Overview; The Account History; Public information; Inquiries; Creditor contacts. These parts are sometimes too technical for … (more) October 23, 2009

  • Credit Report Advice as a Tool in Good Credit Reputation

    by Andy Snyder

    Credit report advice is one of the most effective tools in troubleshooting and repairing the credit reputation of the borrower. Credit reports are the documentation of the credit analyzing companies regarding the credit handling capability of the borrower.  Although credit reports are available for both of the parties of the lenders and borrowers, the essence of this report is in the awareness that it stand for. Credit reports by the lenders are more difficult to read since they are loaded … (more) October 21, 2009