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How Often Should I Check My Credit Report

How Often Should I Check My Credit Report?

You may want to consider checking what’s on your credit report at least once a year. That’s right at least once a year get a copy of all three of your credit reports. You’ll want to know what each credit bureau (TransUnion, Experian and Equifax) have listed on your reports. You don’t want any surprises when you apply for credit or seek new employment. So, as a general rule it’s a good idea to get copies of your reports at…

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bad credit affect

How A Bad Credit Report Affects Your Life

A low credit rating or bad credit report can negatively affect virtually every aspect of your life. Whether you are consistently late on your mortgage or utility bills or you are over your limit on your credit cards, bad credit can make purchasing on credit virtually impossible, and it can limit your lifestyle in many different ways. Though over time you can recover from a bad report, there are still many aspects of your life that can suffer from poor…

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Does Credit Score Matter

How Good Is Your Credit? Why Does It Matter?

Why is having good credit so important? Since today’s society is so financially-driven, establishing and maintaining good credit is imperative if you want to be able to do any of the following: 1. Apply for a job 2. Rent an apartment or buy a home 3. Open an account at a bank 4. Set up an account with the utilities or telephone company It used to be that having good credit was important in order to simply buy a home…

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How to avoid bad credit

How To Avoid Bad Credit

Because we live in a society that is dependent on credit, having credit that is bad can make life very difficult. Many high paying jobs won’t hire you. Lenders are unlikely to give you a mortgage. Getting an unsecured credit card will also be hard, if not impossible. It is not a secret that many people have less than perfect credit. But why is this, and what can be done about it? Many of the credit problems people experience is…

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secured credit

How To Use A Secured Credit Card To Repair Your Credit

If you have ever had credit cards, paid a bill monthly, or obtained a loan, you have a credit rating. When you make payments to a creditor, they report these payments to credit reporting agencies that compile your credit report and track your credit history. If you miss a payment, or even worse, your debt gets sent to a collection agent, this affects your credit rating negatively and may prevent you from obtaining more lines of credit when you need…

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annual percentage rate

How Important Is Credit Card APR?

As with most financial products, credit cards are usually heavily promoted on their interest rate or APR. The lower the APR, the more attractive it’s supposed to be to potential customers. But is APR really the most important feature of a credit card? Firstly, a sizable minority of people use their cards purely as a convenient method of paying for goods or services and clear their balances in full every month. For this kind of card use, the standard interest…

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You Are Your Credit Score’s Worst Enemy

You Are Your Credit Score’s Worst Enemy

When applying for loans, credit cards, or even trying to lease a new apartment your credit score is the major determinant of how well you will fair. Ironically very few people know what their credit score is and are not aware of the fact that they may be doing various things to hurt their credit score. If a high credit score is important to you, and it should be, beware of the following things to keep your credit score in…

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Bad Credit

How To Bounce Back From Bad Credit Ratings – Starting Today

Credit has a very important place in most people’s lives today. A good credit rating is essential for many of the things we do every day, such as, use a credit card, rent an apartment, qualify for financing for large purchase department store items, or buy a car, just to name a few. If for whatever reason, you don’t make timely payments to a creditor or miss a payment, your creditor reports this to the credit bureau, and it is…

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Solid Credit Rating

How To Build A Solid Credit Rating From Scratch

Building a solid credit rating from scratch is not as difficult as one might think. The reality is that you can establish a decent Credit Score in as little as 3 months and have a solid rating around the 12-month mark. From that point, if you maintain proper borrowing habits, you can have an impeccable rating for the rest of your life. The key is to have a basic understanding of what actions affect your rating and to follow a…

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Reliant credit repair is the leading credit repair company in the industry. Our success relies on guiding our clients through their journey to achieve the lifestyle they deserve.

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