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Most Recent News in Credit Report Tips

  • Knowledge is Power: Understanding Credit Reports

    by Karen Anderson

    Credit reports are the narrative version of credit scores. The ratings of these two evaluative tools directly affect each other. Better credit reports will result to better scores and vice versa. However, the inaccuracy of credit bureaus deals great damages to these evaluations. There are general credit report tips on the right attitudes toward these credit bureaus. It starts with… do not fully trust the credit bureaus. The law mandated the right of individuals to have free annual credit reports … (more) December 17, 2009

  • The Way of Getting Protected is Easy

    by Karen Anderson

    Just like other financial tool like money and banking, credit reports are also being targeted by criminals. These criminals target a credit worthy individual’s credit report to use as their own, or gain profit by allowing it to be used by others. Fortunately, there are few but highly advised and effective how-to-protect-your- credit report tips that credit report holders can employ to prevent if not decrease the probability of credit report holders being victims of this fraud scheme. T These … (more) December 15, 2009

  • The Simple Secrets that Assure Approval

    by Karen Anderson

    There are many individuals who see their lives as a dead end of hopes, aspirations and dreams because of monetary constraints. This is a growing frustration that the present financial market created through lending companies and loaning firms. However, there are other set of constraints that borrowers need to overcome to be able to enjoy a healthier financial status. One of these many constraints is having a good credit report. Having a good one will make the first impression in … (more) December 13, 2009

  • Essential Credit Report Tips to Enhance your Credit Report

    by Karen Anderson

    Your credit report is used by your potential lenders to judge if they will approve your application for credit or loans.  It is important that you take into consideration credit report tips that would enhance your credit report.  These tips are very manageable and worth doing. Your credit record has a big impact in your life especially when you are planning to get a house or a car loan.  The first tip is to check your credit account carefully. Your … (more) December 11, 2009

  • Essential Information contained in your Credit Report

    by Karen Anderson

    A credit report is very important. This is the data assessed by the company you are going to apply for a credit card, a loan to buy a house or car and other things that require large purchases.  If your credit report reflected that you don’t pay your bills on time, or you have a lot of debt, it is more probable that you can not avail that loan.  You may get it but with a very high interest. Do … (more) December 9, 2009

  • Credit Report Tips to Boost Your Credit Score

    by Karen Anderson

    Have you recently or currently been applying for a new credit card, or for a loan to buy a car or a house, or for a line of credit that you will use for a large purchase? And was your request not granted or if granted you are made to pay with a higher interest? Either way, it may be because credit companies classified you as a high risk case due to your low credit scores. This maybe because of … (more) December 7, 2009

  • Empowering Victims of Identity Theft

    by Karen Anderson

    Identity theft is truly a serious and alarming occurrence in our society. Thus, consumers are advised to observe several precautions that would protect them from identity theft. Unfortunately, no matter how much we shield ourselves, many of us have been victimized by this crime. However this does not mean that we are totally powerless. There are several credit report tips and guides we could do that would allow us to regain our financial status. Once we have discovered that our … (more) December 5, 2009

  • How to Restore Good Credit

    by Karen Anderson

    Many of us have less than a perfect credit history. More often than not, bad decisions, ignorance or miscalculation may have led us to have bad credit. However, we can always correct this. Having bad credit at present does not mean that we have to follow though until we are forced to declare bankruptcy. Once we have recognized that we are on the way to financial destruction, then we should be quick in turning the other way. What are … (more) December 3, 2009

  • Refuting Common Credit Card Myths

    by Karen Anderson

    Most of us want to improve our credit standing or our credit score. After all, the better our standing, then the more likely that we are able to get approval for our loans or credit. There are so many credit report tips available that they sometimes give us conflicting advices and suggestions. In our attempt to improve our credit standing, we may unwittingly be committing errors that do just the opposite. This is especially true with the use of credit … (more) December 1, 2009

  • Reestablishing Creditworthiness after Bankruptcy

    by Karen Anderson

    More and more individuals find themselves falling under the strain of their financial difficulties. Especially with the global financial crisis, many have declared bankruptcy. Credit report tips constantly warn individuals against this action for it could severely damage their credit standing. Thus, for individuals who have declared bankruptcy, it seems as though the end of the world has come. However, they need not despair for there is still some hope left. Regaining financial security is surely a long and winding … (more) November 29, 2009

  • How to Correct Credit Billing Errors

    by Karen Anderson

    It is of prime importance that our credit reports reflect accurate and up to date information. This is because when we apply for loans or credit, our report is one of the key tools that our creditors analyze. This means that favorable decisions are usually based on whether we have a good credit standing or not.  Proper monitoring of our credit reports is an essential advice among credit report tips. This is because credit reports are not fool proof. Many … (more) November 27, 2009

  • Take Action: Correcting Credit Repot Errors

    by Karen Anderson

    Credit report tips usually relate the importance of the correcting errors in our credit report. However, most of us are unable to do so. There are several reasons for this. The most basic is that we don’t know how to read our credit report. Thus, we don’t know how to spot errors if they occur. Another reason is ignorance of our basic credit rights. Still another reason is that we don’t know what to do in the event that an … (more) November 25, 2009

  • How to Counter Abusive Collection Practices

    by Karen Anderson

    One of the most common credit report tips is avoiding having our accounts sent to collections. However, there are cases where we are unable to prevent this. It may be that we have been unable to pay our debt or loan to our respective creditors due to various reasons. In such cases, our creditors have the right to employ the help of third party collectors.  What or who are third party collectors? Accordingly these are people who collect debt for … (more) November 23, 2009

  • Empower Yourself against Identity Theft

    by Karen Anderson

    Each of us should have a proper grasp of the credit report tips available that would guard us against identity theft. Why? Because we all know how devastating identity theft can be. When malicious individuals have full access of all our essential information, the damage they can do is almost unimaginable. Not only are we robbed of our hard-earned resources, we could even be used for highly incriminating transactions that could warrant us federal punishment. Unfortunately, the increasing use of … (more) November 21, 2009

  • How to Protect Yourself from Credit Discrimination

    by Karen Anderson

    Whether we may admit it or not, discrimination still exists. Although our society has become more accepting and tolerant of differences, there are still traces of hostility that can be seen. This is also true of credit applications. We should then arm ourselves by knowing the credit report tips that would protect ourselves from discrimination. The Equal Credit Opportunity act provides many important rights for individuals applying for credit. The main purpose of the law is to ensure that all … (more) November 19, 2009