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Bad Credit? Qualify Yourself For A Zero Down Mortgage Loan
I decided to write this article today after closing a home purchase loan for a couple that had some major credit issues. They got into the house with ZERO down payment, and only had to bring $600 for the closing costs. Their situation was...
Demystify the allegorical misinterpretation of bad credit personal loans.
Every time you go for a loan, the bad credit trademark hits you where it should – your odds at finding a loan. For bad credit personal loan, it is necessary to discover your standing as a loan claimant. Loan borrowing is promoted as a much...
Escaping Late Fee charges on your Credit Card
It's a little known fact that late fees account for an IMMENSE proportion of credit card companies' profits, as much as 30% in the case of some lenders! You may never have encountered a 'late fee' before, but if you use a credit card, you probably...
Small Business Tax Credit - Americans with Disabilities Act
Many small businesses complain when confronted with the expense of complying with the Americans with Disabilities Act. Most do not realize that there are a number of tax incentives available to offset the costs. Importantly, one tax incentive comes...
The advantages of consumer credit counseling
Many individuals have been helped by consumer credit counseling to take control of their finances and to eliminate debt. Consumer credit counseling can work for you by teaching money management skills which can help you throughout your lifetime. ...
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Wouldn't You Like to Know Your Credit Score?
If you don't know what your credit score is, it is high time that you learn! This lone number is the biggest determination for lenders to decide whether you are or are not credit worthy. Not only do credit card companies use it to determine whether they should issue you a card or not, but so do car dealerships, banks, and even mortgage lenders. You need to know what your credit score is.
But, where can you learn just what it is? Once a year you can pull a credit report on yourself from one of the credit reporting agencies. This information will provide you with what your credit score is as well as what led to it being that number. On the report you will find your creditors, all of those that have issued you credit within the last several years. How well you pay them and what you owe on them will determine your credit score.
Of course, you will want your credit score to be high. But, many people go
about this the wrong way. They often think that the more credit they have, the better. Or, others think that they shouldn't use any credit. Both of these things are wrong. You should have some credit so that you can qualify for credit later on. But, too much credit can lead you to less ability to manage it. In order to maintain a high credit score, you should have some credit, pay it on time and don't carry a high balance on it monthly. The combination of these things will provide you with the credit score you deserve.
Work on your credit score in that manner, but realize that you should check it yearly at the very least as well. You need to insure that the creditors are reporting your credit accurately. You also need to insure that no one is applying for and getting credit in your name. When you do these things, your credit score will show companies that you are worth the risk.
About the Author
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| Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
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| Credit/Debt Management - Tools and Advice for Managing Credit and Debt |
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