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Most Recent News in Credit Score Tips

  • Credit Cards and Your Credit Score

    by Brian Anderson

    Credit scores are used by financial companies like banks to assess if a person is “creditworthy”, or simply, able to pay off debts. That is why whenever applying for a financing, mortgages, or any other kind of loan, the term credit score creeps up. There are a lot of factors that can affect your credit score such as payment histories, outstanding loans, and state of current debts. Your credit cards, the number of, their respective balances, and your payments, can … (more) October 31, 2009

  • Credit Scores: Why you should keep yours high

    by Brian Anderson

    If you have ever wondered why there are a lot of news and articles about credit score tips and credit ratings all around the internet and the financial world, this is for you. Credit scores are the statistical method banks and other financial institutions use to determine if you will be able to pay back your debts in the specific time you have promised to do so. Credit bureaus, companies that are used by banks and financial companies to calculate … (more) October 30, 2009

  • Tips on Maintaining a Good Credit Score

    by Brian Anderson

    Credit score tips are not that hard to find but, to truly make use of them, one must understand the basics and reasoning behind that magic number. Basically, credit scores are an evaluation of one’s creditworthiness or credit risk. This score is used by financial institutions to see if you are likely to miss your payments or default on a loan or debt. The credit bureaus are the ones that compile the relevant data that that affect one’s score. Generally, … (more) October 28, 2009

  • How important it is to build a credit

    by Brian Anderson

    When applying for a loan or a credit card, you should already be aware of what a credit is, what’s in a credit report, who keeps your records, who produces your credit score and the importance of all of these. To begin with, you can only increase your credit score if you know and apply one or two of the many credit score tips you can find online. However, you can only do that if you know what credit is … (more) October 26, 2009

  • Increasing your score FICO style

    by Brian Anderson

    There are many materials you can find that would define for you what a credit score is and its importance to your financial life. You should by now know that the credit score is dependent on the information lenders and banks give to credit bureaus. The bureaus compile everything and come up with a report which is then transformed into a three digit number using a secret program. This is your score and you would need to keep it high … (more) October 24, 2009

  • Tips to Become a Better Credit Manager

    by Brian Anderson

    It is already common nowadays for consumers to spend using credit cards. In fact, more consumers use credit cards than using cash. Given the fact that most of commercial establishments in America already entertain the use of credit cards for the transactions of their respective costumers, truly, spending by the credit has already become the rule, rather than the exception. In this case, many consumers also often fall into the trap of mismanaging their spending. Most often than not, these … (more) October 22, 2009

  • Lowering Your Annual Percentage Rate Helps Your Credit

    by Brian Anderson

    The reason why many consumers right now needs different kinds of credit score tips is because these consumers usually have problems with their credit payments. It is very easy to see why. Many people who spend by the credit, more often than not, mismanage their spending. Given that almost all major transactions right now can already be facilitated by credit cards, many consumers now feel more confident in choosing to spend by the credit. Plus, spending using credit cards can … (more) October 20, 2009

  • How to Negotiate Credit Debt on Your Own

    by Brian Anderson

    It is already general knowledge that more consumers right now chooses to spend using their credit cards, rather than using cash for their respective expenditures. In fact, almost all of major commercial transactions right now are mediated by credit cards. Whether a consumer would go to the supermarket, to the convenience store, or even to the hardware, surely, he/she can use his/her respective credit cards. However, there is also a common downside among all consumers that spends by the credit. … (more) October 18, 2009

  • The Fair Credit Billing Act of 1974, and Your Credit Report

    by Brian Anderson

    It is common knowledge that many Americans right now prefer spending by credit rather than cash. In fact, there are just so many commercial establishments that already entertained credit as one way of paying either services or goods bought. In fact, convenience is one of the major reasons why many consumers choose credit cards as their preferred mode of spending. First, they do not have to bring those greenbacks around. Second, they are able to spend without limitations posed by … (more) October 16, 2009

  • Credit Scams Can Ruin Your Credit

    by Brian Anderson

    Many consumers right now prefer using their credit cards than using cash for their spending. Not that cash is already an outdated form of medium for exchange, but credit cards is already more convenient to use than cash. You do not have to bother carrying around those greenbacks on your wallet to spend, and also, you do not have to limit your spending on the number of greenbacks that you have. In short, credit card has made spending for consumers … (more) October 14, 2009