There are several ways to raise your credit score, but some are better than others.  To start you need to understand how credit scoring works.  Then you can then use that to determine the best practices to achieve a good credit score.  But here is a short list to get you started.
1. Start Paying Your [...]

Category: Credit Score, RebuildingTags: account history, Credit Report Errors, credit tips, improvement | Comments (0)

Have you a ever thought of using a credit monitoring service?  Or are you a skeptic of the whole idea?  You can do it yourself and not pay for it.  Well, here is a short list of the reasons why you should consider it or reconsider it.
1. You Gain Access to Your Credit Report More [...]

Category: Credit Monitoring, Featured, ReviewsTags: Credit Monitoring | Comments (0)

Lending
The first and most recognized way your credit score is used is for lending.  Creditors want to review your credit report before lending you any money.  It is a clear indication of your credit worthiness and whether you pay your bills.  There are two other ways your credit report is used but are not often [...]

Category: Credit ScoreTags: Employement, Insurance | Comments (0)

Chances are you are like most consumers and hardly ever check your credit report even though you are entitled to one free one a year.  Is it forgetfulness or the mentality what has my credit report done for me lately?  Consumers often check their credit report before a few important times such as getting a [...]

Category: Credit Report, Indentity TheftTags: credit reports, identity theft | Comments (0)

The best way to put it is you owe the old debts until they are paid or wiped out by bankruptcy.  Having these debts is going to make it extremely difficult to get a mortgage.
Consumers sometimes believe that if the debt is unpaid and it is older than seven years it will be off your [...]

Category: RebuildingTags: collections, old debts | Comments (0)

1. Pay your bills on time. This could be the single best way way to put yourself on the road to a good credit score.  Also, not paying is the easiest way to ruin a credit score.
2. Maintain a low balances. You should try to keep your balances below 30% to 40% of your credit [...]

Category: FeaturedTags: credit tips, improvement | Comments (0)

As a consumer, you do have rights.  I know that sometimes it might not seem like it, but your credit rights fall under the Fair Credit Reporting Act.  And there are 5 you should know:
1. The Right To Dispute Investigation
If you think there are errors on your credit report you have the right to dispute [...]

Category: Credit RightsTags: Credit Report Errors, Credit Rights | Comments (0)

To know where you stand with your credit score, you need to know the scale that you are graded on.  But there are a thousand different credit scores, so that could potentially create 1000 different scales.
Just as an industry standardization is needed to help the commerce flow.  For credit scores the most recognize scale is [...]

Category: UncategorizedTags: credit score scale, fico score range credit score scale | Comments (2)