What You Can Do To Improve Your Credit Score It is hard to watch television these days without hearing about credit scores. If you are not looking to get a loan or credit card, you may be wondering whether or not they are important. Your credit score is important, regardless
Settle Smart: How To Do Credit Card Payment The first step in doing a credit card payment is to understand your monthly billing. The following are terms you will encounter: Statement date – The date that the bill was printed. Payment due date – this is the day that the
Are You Managing Credit And Debt Or Is It Managing You? Credit is an established part of American life. It can be a valuable tool permitting you to purchase a home or a car, finance an education, or take advantage of special sales and offers. Unwise use of credit, however,
Paying the debt is also no guarantee that the nightmare will stop. The collector may decide that if you?re willing to pay at all, you could be made to pay more. Settling a debt for a smaller amount than the collectors says you owe could result in another agency trying
Nevertheless, scoring models usually consider the following types of information in your credit report to help compute your credit score: Have you paid your bills on time? You can count on payment history to be a significant factor. If your credit report indicates that you have paid bills late, had
There was a time when poor credit meant you could kiss any chance of getting credit goodbye. Credit cards were extremely difficult to get if you had any compromising information contained in your credit report. These days have long since passed. Today, if you have bad credit, there is a
Many people in the United States today have bad credit, and the numbers have continued to rise. It isn’t just those who are lazy who end up with bad credit. Many hard-working people who are well-meaning end up in situations where their credit is ruined. The best way to avoid
Have you ever wonder why your online application for credit can be approved in 60 seconds? Or get a pre-qualified auto loan for a car without asking you how much is your income? Or why your interest rates on loans are different from the interest rates of your friends or
Don’t you just hate it when these big-name credit card companies keep turning down your application for a credit card simply because of some financial mistakes or missed payments that you made in the early years of your career, which adversely affected your credit rating? If only you could speak
The Fair Debt Collection Practices Act (FDCPA) applies to personal, family, and household debts. This includes money you owe for the purchase of a car, for medical care, or for charge accounts. The FDCPA prohibits debt collectors from engaging in unfair, deceptive, or abusive practices while collecting these debts. Under
