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Is Your Credit Rating Grating?

Is Your Credit Rating Grating?

Your credit rating is quite an important piece of recorded history. It tells something of your ability to manage financial debt to a possible lender who may have no other way of knowing. You may feel that it is pointless to think about buying your own home if you have a less-than-perfect credit rating. However, in-roads can be made into this problem, and with patience, you could be house-hunting this time next year! Let us suppose you feel that your…

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Improve your credit score

Improve your credit score

What does “Credit Score” mean? A measure of credit risk calculated from a credit report using a standardized formula. Factors that can damage a credit score include late payments, absence of credit references, and unfavorable credit card use. Lenders may use a credit score to determine whether to provide a loan and what rate to charge. Do you know what your credit score is? You won’t know what you need to do to improve your credit score unless you first…

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Bad Credit Credit Cards

Bad Credit Credit Cards – Prepaid, Secured, or Unsecured

Bad credit, credit cards are just like regular credit cards but with much higher interest rates and usually an annual fee, sometimes $50 a year and higher. Bad credit, credit cards can save your credit or make it worse if you are not careful. Bad credit cards with guaranteed approval are available, but usually, these types of bad credit cards charge twice the amount in fees and interest rates. The average consumer needs to be sure they are mentally and…

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Bad Credit Credit Cards

Bad Credit Credit Cards – Build Credit With A Major Credit Card

For the millions of consumers with bad credit and no credit, getting approved for a major credit card takes a lot of effort. Unfortunately, establishing credit is as equally challenging as re-establishing credit. Creditors consider both types of people as risky applicants. Thus, they are less eager to extend a line of credit. However, there are ways to get around this problem. Bad credit credit cards are intended to make it easier for some to obtain credit. The Importance of…

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Credit Restoration

Does Credit Repair Really Work

Does Credit Repair Really Work Credit card issuers and lenders always review credit reports of applicants for more than one objective. The primary objective is to determine the risk in the deal as a bad credit score indicates that the borrower is already struggling with the finances. Other objectives of reading a credit report include: whether to approve the loan or not, determining the amount, interest rate and terms and conditions. A lender is interested in specific information that includes…

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Fair Credit Reporting Act

What is the Fair Credit Reporting Act and What you Should Know

The Fair Credit Reporting Act (FCRA) and the recent update to this law called the Fair and Accurate Credit Transactions Act (FACTA) protect consumers against inaccurate information being reported by credit bureaus and the privacy of that information. What does this mean to you? When you make purchases on a credit card, make payments to your accounts, open new bank or credit accounts, borrow money, buy a house or a car, and even fund your education, your financial information is…

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Good Credit And Bad Credit

What You Should Know About Good Credit And Bad Credit

Although the vast majority of adult Americans (and many minors, as well) have some kind of credit to their name or have accrued debt, remarkably few have a strong understanding of how this affects them in their daily lives. Credit ratings are earned through the accrual of debt and how these debts are paid, be they paid on time, paid late, or if payments go into default. Typically, a person gathers debt in one of three ways: credit cards, automobiles,…

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credit score after Bankruptcy

Why Knowing Your Credit Score Can Save You From Bankruptcy

Having a copy of your credit score can most often mean the difference between going deeper into debt and getting out of it. Because most people do not keep track of their credit score, they often go into deep debt without even realizing it. Every time you are late making payments to a creditor or skip one altogether, you are subjected to losing points on your credit score. Your credit score is used to show creditors and lenders how much…

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Credit History

Your Credit History: What Gets Reported And What Does Not

A credit report is a document that outlines your financial status, specifically your credit history. The three national reporting agencies, Experian, Trans Union and Equifax, work independently so it is advisable to get reports from all three for an accurate picture. Type Of Information: The credit report contains personal, financial and public information along with recent requests. The credit report will provide personal information like your full name, frequently used nicknames and aliases, date of birth and social security number.…

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car loans with bad credit

Bad Credit Car Finance – How To Get Pre-Approved For An Auto Loan With Poor Credit

Getting pre-approved for bad credit car financing will help you get the best rates possible. Pre-approved auto loans also give you an edge during car shopping, providing you with the most options. Your car shopping experience can be focused on getting the best price on a car, rather than worrying about financing. Why Pre-Approved Loans Are Better Some dealerships would have you think that getting financing with bad credit is nearly impossible. Not so. By researching lenders and their financing…

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About Us

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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