credit history Archives - Reliant Credit Repair In New Jersey

How To Use A Collection Agent To Repair Your Credit

Your credit report determines your credit rating. If you obtain a loan from a bank, credit card company or another loan establishment, your ability to make your payments on time is reported to a credit reporting agency. Credit reporting agencies then compile this financial information into a personalized credit report, the key to a positive – or negative – credit rating. Any negative notations within your credit history will haunt you for up to seven years and could prevent you…

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Insurance Credit Scoring: An Ethical Issue

Insurance Credit Scoring: An Ethical Issue Credit scoring is a method of determining the likelihood that credit users will pay their bills. Fair, Isaac began its work with credit scoring in the late 1950s and, since then, scoring has become widely accepted by lenders as a reliable means of credit evaluation. A credit score attempts to condense a borrower’s credit history into a single number. Fair, Isaac & Co. and the credit bureaus do not reveal how these scores are…

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Credit Cards And Your Credit History

Credit Cards For Anybody? Credit Cards are widespread all over the US as well as worldwide and are accepted Internationally as a very convenient mean of payment either in person at stores, via the phone and the Internet or on signed forms via the fax. Does anybody can obtain this much quested plastic money? Well, to answer that we would have to understand how this credit screening and rating system work and what are the qualifications to be approved. Credit…

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Choose Your Credit Repair Company With Caution

Almost everyone has some kind of debt. Most people have credit cards, student loans, a mortgage, or car payments. Your timeliness in paying off these loans make up your credit history, something that people usually don’t think about until it’s too late and you are declined on an application. Your credit history is an important tool in maintaining your financial stability and can have a big impact on your way of life. Once your credit rating is listed as “poor,”…

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How To Fix Your Credit Report

Living with bad credit is stressful, but if you want to fix your credit report, there are several steps you can take. First, think positively about the solutions to your money problems do not dwell on past failures and current debt. Then take the necessary actions to achieve a healthy credit report. Here are some tips on how to fix your credit report. First, request a copy of your report from a credit bureau (it’s free) and promptly correct…

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How to Quickly Fix Your Bad Credit?

Our credit history makes a great impact on our lives, beyond what may appear on the surface. For example, a good credit history will help us to easily obtain loans for a car, a house or other large items with lower interest rates; besides that, good credit history also helps us to obtain more attractive interest rates for our credit card accounts. Many of us may not know that many companies check their job applicants’ credit history to determine their…

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How To Improve Your Credit Rating

Your credit rating is something you shouldn’t take for granted. If left to spin out of control, it can cause serious repercussions that will follow you throughout your life. If your credit isn’t the best or could use improvement, here are a few ways how you can improve your credit rating. Make Payments on Time If you pay your bills late, youre not only incurring late fees but youre also damaging your credit. And if you miss a payment, it’s…

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How to Spot Credit Repair Scams And Correct Your Credit History Yourself

How to Spot Credit Repair Scams And Correct Your Credit History Yourself Millions of Americans are suffering from huge mortgage payment delinquencies and poor credit history. The two go hand in hand and are mainly the result of mortgage lenders loaning money to people that had no business getting a loan. Many of these people are thousands of dollars in debt and looking at foreclosures and bankruptcy. This is when the scammers will jump in and try to prey on these…

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Is It Easy to Establish Credit History?

Is It Easy to Establish Credit History? Today many people face the problem of establishing sufficient credit history. It may seem quite easy to apply for plastic. However, there is no guarantee that this or that credit card will be useful for building good credit. The fact is that plastics for no credit score are not so good, like those for good or excellent credit history. What is the best choice for people with no credit? In fact, there are several…

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Understanding Credit Scores and Repairs

Understanding Credit Scores and Repairs If you are applying for a mortgage, you’re going to have to deal with credit scores. Here’s a primer on credit scores and methods for improving them. Credit Report Step one in the process is making sure that you have a current copy of your credit report. Congress recently amended the Fair Credit Reporting Act so that consumers may now receive one free credit report annually. There are three major credit bureaus: Equifax, Experian, and…

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credit history

How To Use A Collection Agent To Repair Your Credit

Insurance Credit Scoring: An Ethical Issue

Credit Cards And Your Credit History

Choose Your Credit Repair Company With Caution

How To Fix Your Credit Report

How to Quickly Fix Your Bad Credit?

How To Improve Your Credit Rating

How to Spot Credit Repair Scams And Correct Your Credit History Yourself

Is It Easy to Establish Credit History?

Understanding Credit Scores and Repairs