How to Fix Your Credit Score

Your credit score plays a very important role in determining how easy it is for you to get loans and how attractive the loan terms are. Any lender you approach will refer to your credit report to gauge how much of a risk you are and how likely you are to pay off his loan on time.

This risk level determines the rate of interest, the term and other aspects of the loan he gives to you. Having a good credit score ensures that you are in a strong bargaining position to get cheap loans with attractive terms. There are no effective quick fixes to improve your credit score but it is possible to make a significant difference in a short time by taking the right steps.

Understanding the Basics
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Common Misconceptions about Credit Scores

A number of misconceptions float around about credit scores; most of them are actually propagated by totally profit centered debt settlement companies. It is important to be aware of what is true and what is not, to avoid getting fooled by manipulative people. Here are some of the popular misconceptions about credit scores. [Read more…]

How to Improve Your Credit Score

The recent turmoil in the economy has made credit card companies much more selective about who they give a card to. Only those who have good credit record are able to get a credit card with lucrative terms. [Read more…]

Credit Repair Advice

Credit card score plays an important factor in many business transactions especially in financing and mortgages. Many financing companies review their clients standing by pulling out their credit card score and history. Credit card score can determine most of an individual’s life. Credit card scores usually range from three hundred to eighty five. Having a score of seven hundred and above means that the owner is doing a good job in paying their monthly bills, it also reflects that the paying ability of the owner is excellent. [Read more…]

Bad Credit Report Repair

You were so contented with everything, so rest assured that you no longer check your credit report. You have been doing this for years until one day, you find yourself with eyes bulging with shock because you happen to behold your credit scores which are so impossibly low that you just cannot believe it. You discover that there numerous overdue payments and charge offs which are making your credit report file seem to be overcrowded that you feel you can no longer breathe. [Read more…]

Bankruptcy Credit Repair

Bankruptcy may have been considered as a disease many years ago but nowadays, it is being treated as an ordinary phenomenon. You, your neighbor, or your friend may not be a businessman but the three of you are all bankrupt. [Read more…]

Credit Repair Tips

If you have fallen on hard times and missed a few payments on your credit cards, or you were late a few times, this can have a substantial impact on your credit history report. Did you know that 35% of your credit score is based on making payments on time? Don’t panic if you have missed some payments, or you were late a few times. There are ways which you can use to do some credit repair and increase your credit score. [Read more…]

Do It Yourself Credit Repair

Face it – you, as well as most people in the United States of America, are in debt and you just don’t know what to do about it anymore. Don’t fret just yet. This article has everything you need to bounce back and repair your credit before you end up seriously hurting your financial future. [Read more…]

Credit Repair Programs

Being burdened with excessive debts and having a bad credit record can be a very stressful situation. You can’t apply for loans or mortgages; you get denied of getting a credit card; you can even be rejected from employment. The stigma could be devastating. Before you get despaired some more, be happy to know that credit repair programs are available to help you rehabilitate your credit record. [Read more…]