Credit Score

Improve Your Credit Record Legally

How To Improve Your Credit Record Legally

If you have a history of late payments, unpaid bills, or accounts sent for collection, your credit record will suffer.  A bad credit record gives you a low credit score and makes it difficult for you to get needed credit or loans for things you really need.    Your credit historyMost everything you do with credit, both good and bad, is reported to a credit reporting agency.  A history of paying late, or not paying at all, is sent to…

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How Your Credit Score Determines The Size Of Your Bank Account

How Your Credit Score Determines The Size Of Your Bank Account

Every time you apply for any type of loan or you have issued a credit or you pay any bill, it becomes a part of the equation that determines your credit rating.The primary or big three credit agencies are Experian, Equifax, and Trans Union. The credit score they determine is what all major lenders and most companies use when deciding if they will lend you money or issue you credit and the terms that credit will have.Your Credit Rating –…

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Increase Credit Score – How Do Credit Scores Work

Increase Credit Score – How Do Credit Scores Work?

Although many mortgage companies and finance experts have been warning consumers about the importance of maintaining a good credit score, many people fail to recognize the value. When applying for any type of credit, potential lenders review our credit history and base loan approvals on its contents. If applying for instant credit, lenders simply use credit scores. Here are a few tips to help you understand how credit works, and tips for boosting your personal rating.The Value of Credit ScoresCredit…

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Improve Credit Score - 3 Tips For Raising A Low Credit Score

Improve Credit Score – 3 Tips For Raising A Low Credit Score

Raising your credit score does not involve a lot of work. However, there must be a willingness on your part to use credit responsibly. A low credit score makes it more challenging to obtain a credit card or get prime rates on a home or auto loan. On the other hand, a high credit score presents many finance options.Check Credit Reports for AccuracyCredit report errors are very common. Its recommended that all consumers examine their reports twice yearly. This way,…

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Increase Your Credit Through Credit Cards

Increase Your Credit Through Credit Cards

In order to build and maintain good credit, you must select, use, and pay on your credit cards, and other loans, wisely. Each step is important. Put them all together and your credit rating should rise. Make bad choices and you might hurt yourself in some surprising ways.When applying for credit, only sign up for cards you’re comfortable using for years to come. Getting into the habit of always signing up for the newest card and transferring your balances from…

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Insurance Credit Scoring: An Ethical Issue

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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How To Read A Credit Report

How To Read A Credit Report

Navigating a credit report can be a bit confusing, but it is important to understand how all of those numbers affect you whether or not you are considered credit worthy. A credit report is broken into four basic sections, and each one is important to your credit score. The first section contains your identifying information. This is just the basic information that identifies who you are. It can include a list of addresses where you have lived, your name and…

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Annual Free Credit Report

Get Your Annual Free Credit Report – Why Pay For It?

You can get an annual free credit report from any of the three major credit bureaus. If you have ever had credit, then there is a report on your borrowing and repaying at one of these bureaus – maybe all three. The Fair Credit Reporting Act is a law saying that every person is entitled to receive one annual free credit report once every twelve months from the credit bureaus. Annual credit reports are very important because they contain all…

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Repairing Your Credit Report

Free Credit Report and Credit Score

Free Credit Report and Credit Score indicate the creditworthiness or financial position of a person. Initially, there was a strict prohibition to disclose the credit report and score. But due to development in business skills and policies, many retailers and lenders extend credit facilities to their customers. In order to secure the credit transaction, they demand for credit report and score to know whether the borrower is financially sound or not. It is quite obvious that bad credit can affect…

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Improve Your Credit Score

Improve Your Credit Score Before Buying a Home

Improve Your Credit Score Before Buying a Home Several months before you begin to look for a home, you should take steps to “Improve Your Credit Score” for your home loan. Start by making a list of all your existing loans and credit cards, with the company names, account numbers and monthly payment amounts. This will help you to analyze the information shown on your credit report. Include all closed loans and credit cards if these records are available 1)…

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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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