|
|
Bad Credit Credit Cards
Chances are you've gotten your share of offers for Bad credit credit cards, Bad credit visa cards and Credit cards for people with bad credit. Re-establish your credit with a pre-approved bad credit credit card, regardless of your credit history,...
Car Loans After Bankruptcy - 3 Tips On Financing Your Car With Bad Credit
If you have recently filed bankruptcy, you may wonder if its
possible to get auto financing again. There are more and more
loan companies all the time that have new programs to help
finance people with bad credit. An auto loan is easier to...
How Credit Cards Work
Credit cards have become a major financial industry, uniting cultures with a common form of payment and allowing purchases to be made on credit so that individuals have additional options when they're short on cash.
Unfortunately, many people see...
How To Improve Your Credit Score
In today's world having good credit is an absolute must. Credit is no longer for simply buying items today and paying for them later. Now, credit is used to validate who you are as a person and your worth. Credit scores are utilized daily in life....
Rebuilding Your Credit History
Your credit history is very important for you because when it
comes to big loans your credit report will determine if you can
get the loan and what rates you'll have to pay. The credit
report will matter a lot when you apply for a mortgage loan,...
|
|
|
|
|
|
|
|
Credit Report – Watch Out for Parking Tickets
The economic downturn of the last five years has affected millions of Americans, but it has also affected the budgets of states, cities and counties. With limited tax dollars with which to work, various government entities have had to try to stretch their budgets to allow them to continue to function. Many government agencies at the state and local levels have turned over debt collection to collection agencies, even for such seemingly small debts as parking tickets or library fines. What does this mean? An unpaid parking ticket could end upon on your credit report.
Credit reports and the associated FICO credit score have become an increasingly important part of the lives of Americans. At one time, the credit report was primarily used by mortgage lenders to determine if a prospective customer should be granted a loan. In recent years, the credit score and report have been used for an increasingly large number of uses by all kinds of companies. Employers use them to avoid hiring financially irresponsible people and landlords use them to determine if a person might be a responsible tenant. As credit reports are used more often, blemishes on your credit report become magnified in importance. In past years, only significant unpaid debts or bankruptcy filings might have inhibited the issuing of credit. But now, with credit reports being used by so many more businesses, something as small as an unpaid
parking ticket can prevent someone from obtaining a job or a lease on a good apartment.
This system isn’t all that equitable; not all cities and counties report unpaid fines to the credit bureaus. Worse, while the company that originated the FICO score has adjusted their scoring system to account for small fines, not all lenders use that version of the scoring system. Because of this, whether or not such small things affect your credit score is can be determined by something as simple as where you live or with whom you choose to do business. Fair or not, consumers need to be aware that some small debts may find their way into the credit score and the only way to be sure is to check your credit report regularly.
Most Americans can obtain a copy of their credit report for free at www.annualcreditreport.com. Many people who have had their scores negatively affected by small fines were unaware that they even owed them. This can happen if the debtor has recently moved. Paying the fine can quickly resolve the problem and raise the credit score again, so by all means, check your credit report!
About the Author
©Copyright 2005 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including End-Your-Debt.com, a site devoted to establishing credit, debt consolidation and credit counseling.
|
|
|
|
|
Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
Credit.com offers a variety of credit related products and services including credit reports and credit scores, credit cards, car loans, home loan and ... |
www.credit.com |
  |
Equifax Personal Solutions: Credit Reports, Credit Scores ... |
National consumer credit reporting company that offers credit reports, FICO(R) credit scores and identity theft protection products to consumers and small ... |
www.equifax.com |
  |
The FTC's web site on Credit |
Credit is much more than a piece of plastic, and the resources on this site can help you become a more savvy consumer. You’ll also find compliance ... |
www.ftc.gov |
  |
Federal Trade Commission - Consumer Credit Center |
Features an assortment of helpful articles related to credit issues. |
www.ftc.gov |
  |
AnnualCreditReport |
Site set up by the big three credit reporting agencies in the United States, to furnish free annual credit reports, as required by federal law. |
www.annualcreditreport.com |
  |
Springboard - Non-Profit Consumer Credit Management |
Our mission is simple: To offer education on the wise use of credit. ... SPRINGBOARD has been approved to provide credit counseling services and issue ... |
www.credit.org |
  |
myFICO - FICO Credit Scores, Online Credit Reports and Identity ... |
myFICO.com: Get your Free credit report and Free credit score with a 30-day trial of Score Watch. All three FICO Scores and Credit Reports Available now ... |
www.myfico.com |
  |
Credit Suisse Global |
Credit Suisse Group is an international financial services group. - Shares part of SMI. |
www.credit-suisse.com |
  |
Experian: Free Credit Report and Credit Score, Credit Check ... |
Credit referencing and consumer targeting for the USA and other countries. |
www.experian.com |
  |
National Credit Union Administration - Home Page |
An independent federal agency that supervises and insures 7152 federal credit unions and insures 4240 state-chartered credit unions. |
www.ncua.gov |
  |
Credit - Wikipedia, the free encyclopedia |
Debits and Credits, a type of bookkeeping entry; Credit (creative arts), acknowledging the ideas or ... Retrieved from "http://en.wikipedia.org/wiki/Credit" ... |
en.wikipedia.org |
  |
Credit (finance) - Wikipedia, the free encyclopedia |
Any movement of financial capital is normally quite dependent on credit, ... Sometimes if a person has financial instability or difficulty, credit is not ... |
en.wikipedia.org |
  |
The National Foundation for Credit Counseling |
DebtAdvice.org is a service provided by the Members of the National Foundation for Credit Counseling (NFCC), most of them known as Consumer Credit ... |
www.nfcc.org |
  |
FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
FreeCreditReport.com: Free credit reports and credit scores from Experian. Get your free credit report and credit score now. It's free, fast, and easy! |
www.freecreditreport.com |
  |
Compare credit cards | apply for a credit card | 0% balance ... |
Compare over 300 credit cards, including 0% offers and balance transfers, and make a credit card application online... |
www.moneysupermarket.com |
  |
Ford Credit - Auto financing for Ford, Lincoln and Mercury cars ... |
Ford Credit provides auto financing to finance a lease or purchase a car or truck through Ford, Lincoln or Mercury dealerships. |
www.fordcredit.com |
  |
The Credit Card Prank |
In my lifetime, I have made nearly 15000 credit card transactions. ... Credit card signatures are a useless mechanism designed to make you feel safe, ... |
www.zug.com |
  |
Credit magazine, corporate bonds, derivatives, structured credit ... |
Credit magazine provides information on the international credit markets for credit investors, issuers and market professionals. |
www.creditmag.com |
  |
CUNA: The Credit Union National Association |
News and resource directory about credit unions. |
www.cuna.org |
  |
Credit/Debt Management - Tools and Advice for Managing Credit and Debt |
Drowning in debt? Trying to improve your credit score? This is the place for you. Get real world information and tips, as well as the legal low down, ... |
credit.about.com |
  |
|