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Avoiding Bad Credit and Repair
Staying in contact with your payments each month can help you
avoid bad credit. If you research the marketplace before coming
to a purchasing decision, you are well on your way to avoiding
bad credit and repair credit hassles. You want to...
Bad Credit Repair
Building your credit after repeated interruptions is a constant headache we all want to avoid. In this article I am going to break it on down for you, since there are many sources that will take full advantage of you when the opportunity arise. If...
Beware of Credit Repair!
We've all seen them. "Send me 99.95 and I'll fix your credit and you can get a one million dollar credit card tomorrow." Ok so I am being a little dramatic. This article is to give you some insight into repairing your credit. It is not meant in any...
Make a deal with your creditors
Are you unable to pay your bills? Pick up your phone and call your creditors; you will be surprised at the goodwill most creditors and collectors give the persons who bothers to pick up the phone and make an agreement. You should not loose your...
Research can help you avoid Bad Credit
Staying in contact with your creditors every month can help you
avoid bad credit. If you research the marketplace before coming
to a buying decision, you are well on your way to avoiding bad
credit and repairing credit hassles. You want to...
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Personal Credit Report
Your personal credit report is an electronic record of your
credit activities. These activities include borrowing money to
buy a car, applying for a loan or credit card and your payment
history of the loans you have taken. Every time you apply for
credit or a loan, potential lenders use this report to see how
you use credit and how much of it you have available.
According to TransUnion, one of the three major credit bureaus,
there are four main areas of content in your personal credit
report: Identifying information, credit history, public records,
and credit inquiries. Your credit report
also shows any current credit that you have. This includes
amounts owed, amounts available, like on a credit card or other
form of revolving credit and payment amounts on installment
loans.
When lenders evaluate your loan request they use the
information on this report to generate your credit rating. The
higher this rating, the more likely you will receive the loan
and at more favorable terms. If you are planning on applying for
credit anytime soon, it's a good idea to take a look at your
credit report before the people reviewing your application do.
This will ensure that you aren't caught off guard by any
unpleasant surprises that may be on your credit report. Many
people have found errors on their credit report that were
bringing down their credit score.
Luckily, getting a copy of your credit report is easy and if
you request it from the right
place it can also be free! A quick
Internet search will direct you to many reputable companies that
will provide you with a copy of your credit report free of
charge. We recommend visiting www.credit-report-cr
edit-score.com to learn more about credit and to obtain a
free copy of your credit report.
If you find errors or false information on your credit report,
they can be disputed and corrected. However, correcting these
mistakes can sometimes be a lengthy process. That is why it is
the best idea to keep a watchful eye on your credit report
activity at all times in addition to checking it before you plan
to apply for credit or a loan. That way, if any errors ever do
make their way on to your credit report you can save valuable
time by correcting them before you are ready to apply for your
next loan.
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Note: This article may be freely
reproduced as long as the authors bio paragraph at the bottom of
this article is included, the article is published "as is"
(unedited) and all URL's are made active hyperlinks with no
syntax changes.
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About the author:
This article was written by Beth Pardue who has over 10 years of
experience in the financial industry assisting clients with
assorted financial needs. To get your free credit report and to
learn more about credit reports please visit: http://
www.credit-report-credit-score.com today!
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| The FTC's web site on Credit |
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| AnnualCreditReport |
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| Springboard - Non-Profit Consumer Credit Management |
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| National Credit Union Administration - Home Page |
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| Credit - Wikipedia, the free encyclopedia |
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| The National Foundation for Credit Counseling |
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| FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
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| Credit magazine, corporate bonds, derivatives, structured credit ... |
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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
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| 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 |
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