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  • Credit Scores to Predict Behavior

    by Sally Maison
    Credit Scores to Predict Behavior

    Determination of credit scores is a difficult procedure that takes into account the past credit history to develop future predictions. This requires thorough analysis of information from credit bureaus for understanding the present position of the consumer. Not all data are crucial in this regard. Therefore, segregation of relevant data for predicting credit behavior in the future is required. In general, most people continue with their spending habits whether it is good or bad for years at a stretch. Building … (more) June 7, 2013

  • Prices of Vacation Homes Dropped but Lending Standards Remain High

    by Sally Maison
    Prices of Vacation Homes Dropped but Lending Standards Remain High

    Creditors appear to be more willing now to refinance second homes, but experts say this is not a sign that they are lowering their standards. The recent lending trend is largely caused by the changes in the housing industry and consumers still have to get better credit scores if they want to qualify for loans or avail of lower interest rates. John Walsh says homebuyers need to remain strong borrowers even if there are more opportunities available at present. Last … (more) January 16, 2010

Credit Score Tips

Things to remember about your credit score

Repairing a damaged credit score isn’t like an error done with a pencil; is an eraser, put in the right answer then errors are corrected. With a credit score, you have to invest money, effort and time. And the worse thing about a real poor credit score is that it takes years before you can have your score as good as new again. In America alone, a large percent of consumers have felt a sudden drop in their credit scores … (more) November 15, 2010

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Credit Score Advice

How to Check Your Credit Score for Free?

According to Fair Credit Reporting Act, credit reporting agencies and bureaus in America are required to provide your credit score at least once every 12 months. Since your credit score has a huge impact on your financial life, the law provides you the opportunity to review your report annually, without any cost. Your credit score determines how credit worthiness – whether you are eligible to get a loan or credit from bank or financial institution. If your credit score is … (more) November 18, 2013

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