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Most Recent News in Credit Score Advice

  • How to Check Your Credit Score for Free?

    by Sally Maison

    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

  • Fixing a credit score

    by Sally Maison

    When you feel like all the opportunities for you to improve your lifestyle like having a new house and a car, going to Universities and would like to apply for a credit card was being declined due to a low credit score, isn’t it time to fix your credit score? One of the reasons why a credit score is important in purchasing and running it under lenders is that they based it on how credible you are to make payments. … (more) December 1, 2010

  • Why we need to take care of our credit scores

    by Sally Maison

    It’s no longer surprising to hear someone complain of not being able to pay the bills. If you are one of them, then you are not alone. More than 30 million people in The United States suffer form bad credit scores. This makes life more difficult because people with poor credit blemishes have more difficulty in applying for a loan, getting a car and even in applying for a job! In some cases, your credit score is just right, but … (more) November 28, 2010

  • How to maintain a good credit score

    by Sally Maison

    A credit report is the basis of your credit scores; it is an ongoing monitoring of how you handle your finances. These reports are coming from the credit bureaus, court system and other public records. It’s important to care of these reports because once it was already submitted and reflected, it’s not easy disputing it, it may stay there for several years and this could affect you loan applications and other credit based business you are planning to have. Bankruptcies … (more) November 20, 2010

  • The importance of credit score

    by Sally Maison

    In United States of America, it is a requirement that you have a credit report or credit score. On banking system your credit card would give you credit scores whenever you make a successful payment. This process is easier than waiting for the result of your credit report by the Credit Bureau. The most common worse reports that could affect you score would be debts, charge- offs, foreclosure and bankruptcy. Credit reports does not only contains credit score but also, … (more) November 12, 2010

  • Important things you need to know about your credit score

    by Sally Maison

    Punctuality is very important if you want to obtain good credit scores. Late payments and collections will have a severe effect on your credit report. If you are not able to pay past credits on time, do not let it hinder you form repairing your credit score. There’s still something you can do. Start paying all those credit card bills on time. The sooner you act on it, the sooner your credit report will look better. Call your credit card … (more) November 2, 2010

  • Fico releases advisory on how to protect one’s credit score

    by Sally Maison

    Credit scores reveal one’s credit worthiness and now that the economy leans toward being credit-dependent these three-digit scores can really influence a person’s entire life. Recently FICO released information about how common misuse of credit lines could affect one’s credit score. However how exactly FICO and other credit scoring company come up with scores still remains unknown to the public nevertheless knowing what of the things you do and do not do can hurt your credit worthiness will really help … (more) October 27, 2010

  • What is a good credit score?

    by Sally Maison

    Thinking of buying a new car or a home? The first thing you have to do is to check your credit score and see if it is reasonable. What is a credit score? Credit score is usually misunderstood as credit report. Your credit report is a list or a record of all of your loans (student loans, medical bills, credit cards, installment, etc,), the outstanding amount and the trend on how you pay them (monthly/quarterly, whether your on time or … (more) October 16, 2010

  • Your credit score can rule your life

    by Sally Maison

    If you are wondering why people are making a big fuss in achieving a good credit score, then let’s try to look at what a bad credit score can do to your life. Financial institutions such as lending companies, banks, mortgage lenders and car financing companies will more often than not, decline your application. They need to check the credit history of their proposed clients so in case your credit score is way below the standard, then getting your loan … (more) October 13, 2010

  • That 3-digit number what you need to know about credit scores

    by Sally Maison

    We all want to do something about that 3-digt number known as the credit score. But how do we actually obtain a good credit score? Are there specific steps that we should follow in order to have a good credit image? Our credit scores affect so many things in our life. A bad credit score will hinder our future loans, increase the rate of our insurance, and it might even be the reason for most people to be unemployed. Nowadays, … (more) October 4, 2010