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Most Recent News in Credit Score Advice

  • Mother Hubbard’s Credit Score Advice for the Rest of us

    by Brian Anderson

    Little Boy Blue’s Credit Score Advice “Little boy blue, come blow your horn.   The sheep’s in the meadow, the cow’s in the corn;   Where is the boy that looks after the sheep?” “Prevention is better than cure” is an overly used phrase that I will try to avoid by using the Little Boy Blue rhyme. We all know about this fictional herdsman (er.. boy?) who was laxly herding his charge. Why did he allow the sheep to roam … (more) January 15, 2010

  • Top 5 Credit Score Advice to Live by

    by Brian Anderson

    In these times of desperation, most Americans recognize the need for an infallible credit report to tide them over. When most of us are losing jobs due to the fiscal crisis that hit the country, it is about time that we start pooling resources and minimize unnecessary expenses. And a particular unnecessary expenditure is hiring a credit repair company to fix your credit report. In lieu of wasting your precious, hard-earned money for some illegitimate companies who promise to “fix” … (more) January 9, 2010

  • Credit Files and Credit Scoring – A Frequently Asked Questions List

    by Brian Anderson

    Knowing what there is about loaning money is the most basic credit score advice. Here are some quick answers to the frequently asked questions about credit scores. What is a credit file? A credit file stores all of the key financial information that a lender needs to know about you. This file includes your credit history as well as if your current debts. This file also contains information such as your name and address, if you had any bankruptcies, and … (more) December 30, 2009

  • Racking up your Credit score

    by Brian Anderson

    There are many types of credit score advice in the market. But which are the ones that are legitimate and which are the ones that are not? Well in order to answer that question, we must first understand the true meaning of what a credit score really is. A credit score is a numerical value derived from a statistical analysis of your different loans and transactions to compute your credit worthiness. This credit score is a three digit number that … (more) December 28, 2009

  • 6 Tips for an Easy Credit Score Fix

    by Brian Anderson

    One of the hassles of life is paying bills. Yes, after shopping around and buying stuff to alleviate your daily stresses, you’ll finally ram unto another struggle of life, paying your debts. Don’t fret. You’ve got plenty of company. In the United States alone, there are more than 30 million people with credit defects that are severe enough and with perceived credit scores that are under 600. Even if your credit were okay, it would be best to make it … (more) December 26, 2009

  • Understanding Credit Score for Credit Card Users

    by Brian Anderson

    There are many instances when people just suddenly go on a shopping craze. We all tend to buy many unnecessary things. Sometimes we spend above the budget that we originally intend. As a result of this overspending people charge all their bills to their credit cards. That’s what makes these credit cards useful. Because of credit cards people don’t always need to bring any money at all. They can also overspend a little above the supposed budget. The only wallet … (more) December 24, 2009

  • Why You Shouldn’t Close your Old Credit Accounts

    by Brian Anderson

    Earning a good credit score is not as simple as creating one. Knowing which credit score advices to follow can surely help you create and more importantly, maintain a good credit score. However, there are some advices that circulate that you must not follow. One such advice is the misconception that closing accounts can help your credit score. Always remember that closing accounts can never help your credit score, and in fact, may even hurt it. Be wary of this … (more) December 22, 2009

  • Credit Scores and How to Increase them

    by Brian Anderson

    At the end of the year, you receive a credit report showing the debts, mortgages and transactions you have made the entire year.  And below your credit report is a three digit number that will range from 350 to 800. This three digit code is your credit score. A credit score is a numerical number based on statistical analysis of a person’s different transactions for the past year grading how high (or how low) a person’s credit worthiness is. This … (more) December 20, 2009

  • Charge Carefully: The Dangers of Credit Cards

    by Brian Anderson

    Credit is a new comfort that many people in the new world cant simply live without. The days of monetary exchanges using paper and metal are gone and have been exchanged with a plastic card. An entire bank account can be compressed into one credit card to make transactions much easier. And also loosing this card does not necessarily mean that you will loose all the money in it either because you can always call your bank and have your … (more) December 18, 2009

  • The Relationship between you and your Credit Score

    by Brian Anderson

    Everybody makes mistakes. It is nothing new to any of us to experience a few mishaps and blunders at one point in life or another. But what would happen if these blunders were recorded and you would be denied other services because of this? In the 21st century, this scenario is possible because of technology has made the world much smaller than it already is. And if you make blunders with regards to financial matters, they can be recorded for … (more) December 16, 2009