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5 Tips to Improve Your Credit Score
Boosting your credit score can save you money. Your credit score is a number based on how well you pay back loans on time, sometimes called a FICO score. The higher the score, the less risky you are. The 3 players are Experian, Equifax and...
Getting a Credit Card without a Credit History
Getting A Credit Card Without A Credit History
Oddly enough, not only will bad credit work against you when applying for a loan or a credit card, but no credit will too. Even though this doesn't seem fair, it is the way things work in the...
New Year's Resolutions: Save Your Credit and Your Marriage
Before you whip out your credit cards this year, consider this:
more than 70 percent of divorces in America are brought about
due to financial problems. It's so easy to use your credit cards
to buy items you want. But stop and think first.
...
Tips For Getting Your First Credit Card
Most of us get a credit card on our name when we go to college or when we are in our senior years of high school and all of us stumble into the same types of difficulties when it comes to finding an issuer and managing the credit card. Most banks...
Tips to Repair Your Credit and Prevent Credit Problems
If you're concerned about your credit score, try these tips on
how to repair your credit.
Have you looked at your credit report lately and noticed that it
is in need of repair? It's said that over half of all Americans
could improve their...
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Repair Your Credit and Prevent Future Credit Problems
Wondering how to repair your credit? Consider these options.
When should you consider credit repair? A lot of people assume
their credit is fine, when in fact there may be mistakes applied
to your credit report that you don't even know about. What if
you are unaware of this and try to apply for a loan?
There could be many reasons why your credit isn't as perfect as
it should be. Maybe you were a couple of days late on a payment?
How could this affect you?
Why You Should Repair Your Credit?
If you need a loan in the future, for whatever reason, a bad
credit report can lead to problems and declines. While everyone
has a different history, most people will need a medium to high
credit score in order to purchase a new home, cars or other
essentials.
You don't want to be left in the lurch when trying to apply for
a loan. It's too easy to fix your credit score, so don't make
yourself vulnerable. Act now and you could save yourself a lot
of time and trouble down the road.
What Can You Do To Repair Your Credit?
The first thing to do is to check with the main credit reporting
companies.
These credit-reporting companies are Experian, TransUnion and
Equifax. By writing to each of these companies, you can get a
report on your credit. This is the same credit report loan
officers or credit card companies use to evaluate your
application.
Read your credit report and determine if your credit score is as
high as it could be. If you are not sure what your credit score
should be, contact a credit repair company and ask them for
assistance.
If you are familiar with credit scores, read back through your
credit report for any errors. This could really be in any
format. A company may
have reported you were late for a payment,
or that payment was not sent within such a length of time. Are
all of the complaints correct? If they are not, you should
request a change.
Why People Don't Repair Their Credit
There is one major reason why many people don't even bother with
their credit report. It is because they don't know there are
things they can do to fix it.
If you find yourself in this situation, consider contacting a
credit repair company that understands and can assist you. A
good credit repair professional can help you to understand what
can be fixed. They can also handle a lot of the paper work for
you, leaving you free from the hassle.
In addition, a good credit repair company can teach you things
to help improve your credit score and get you on the right track
to getting that loan or credit card you need.
However, having a professional taking care of your credit score
is only the first step in your total financial planning success.
Your credit repair professional can also assist you with your
future financial planning. For example, if you want to pay your
bills on time or pay off credit cards. In all, if you're
thinking about getting a loan or new credit card and are
concerned about what your credit report says about you, contact
your credit repair company and ask them for help. You don't have
to be alone in your search to a better financial future.
About the author:
Lee Harrison owns and runs a fully licensed, registered, and
bonded credit service organization located in Naples, Texas.
They have specialized in helping people repair and restore their
credit history due to bankruptcy, bad credit, or identity theft
for over 29 years. His website is http://www.lhcreditrepair.com
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| Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
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| The FTC's web site on Credit |
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| Federal Trade Commission - Consumer Credit Center |
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| 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. |
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| Springboard - Non-Profit Consumer Credit Management |
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| Credit referencing and consumer targeting for the USA and other countries. |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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! |
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| Ford Credit provides auto financing to finance a lease or purchase a car or truck through Ford, Lincoln or Mercury dealerships. |
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| 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 |
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| 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 |
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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
| www.cuna.org |
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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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