Already on ArticleSlash?

Forgot your password? Sign Up
  Articleslash »
» Credit Tips

Credit Tips & Finance Article Category 

Articles about or concerning Credit Tips, Improving Credit Scores, Credit Agencies, Credit Building Tips, Credit Repair, Credit Agencies, and anything related to offering advice on Credit.
Latest Articles

Higher Credit Scores Mean Hidden Benefits

by:
 Darren Cason (November 04, 2008)  Most people know that if you have a good credit score, you get good interest rates and better offers on new loans and credit. Those with a history of being late on their payments, a large balance on their credit cards, or a bankruptcy on their record know that their low credit score means bad credit or no credit offers. Bad credit means you get the short end of the stick on car, .. (Credit Tips)

Educate Yourself on Credit

by:
 Eric Jilson (November 04, 2008)  If you've never wondered about your credit score, or you have but still have no clue as to what your score may be, now is the time to find out. Your credit score is determined by information from creditors about your spending and payment habits. That information is sent on to the credit bureaus and the people there create a numerical score for you. Your score is called a FICO score and . (Credit Tips)

Credit Management Should Be Taught in the Schools

by:
 Eric Stolze (November 04, 2008)  It is a shame that good credit management is not taught to many children in our schools. A number of college students nowadays already have a credit card with credit card debt incurred by the time they show up for their first day of college classes. The credit card companies want to hook them on easy credit as early as possible. Credit card companies make money on the unsuspecting .. (Credit Tips)

Credit Repair Can Be Extremely Difficult Without the Help of a Professional

by:
 Allan Zolis (November 04, 2008)  Do you need to have credit repair done because your credit is not as good as it could be? Many people have this problem but they don't know what to do about it. You can try and repair your credit on your own but only if you take time to learn how to do it first. Otherwise, you will be doing more harm than good to your credit. The other option is to hire a credit repair company to do the . (Credit Tips)

Best Time of Year For Credit Repair

by:
 Taylor McKenzie (November 04, 2008)  Were you aware that the best time of the year to submit disputes to the three major Credit Bureaus is during the holiday season? Typically staffing at the credit bureaus along with the creditors themselves, who are responsible for verifying disputed information, are a bit short-handed during this time of year due to holidays and vacations. Under the federal Fair Credit Reporting Act, a . (Credit Tips)

Credit Repair Letters Really Do Work - Here's How!

by:
 Melanie Ullman (November 04, 2008)  You may have already heard about credit repair letters and how they can help you in your quest to re-establish your credit history. These letters can indeed help many of the consumers who have already damaged their credit. This is not a quick fix and it will several months before any action will even start to take place but at least you can set the wheels in motion by using credit .. (Credit Tips)

Credit Report Tips - Find Out Why Your Score May Not Be As High As it Should Be!

by:
 Marc Sumner (November 04, 2008)  Many people have no idea that their FICO score is suffering due to not doing a simple task. Here in America every citizen is allowed one free credit report per year, and so many neglect this free tool to check out what's going on with their credit history and what is positively or negatively affecting their score. I'm here to tell you that more than 1/4 of all credit reports have some .. (Credit Tips)

Credit Dispute Letters

by:
 Caden Flynn (October 22, 2008)  A successful credit dispute letter can remove negative credit items from your credit report and increase your overall credit score quickly. In fact, when you talk to a credit counselor about boosting your credit scores, often the first thing he'll do is look over your report for things he can write a dispute letter about and get removed. This is the fastest, easiest, and most effective .. (Credit Tips)

Credit Cards With Great Credit

by:
 Tom Tessin (October 22, 2008)  There are special credit cards available that require a good to excellent credit rating for approval. There are many benefits when one maintains an excellent credit rating. When your credit rating is high, the lower will be the interest rate offered to you. For the credit cards with 0% initial APR's, applicant with superior credit ratings will be offered longer initial periods. When .. (Credit Tips)

Best Gas Rebate Credit Cards - Taking Advantage

by:
 Tom Tessin (October 22, 2008)  Now a days people tend to use credit cards that offer rebates and also on the gas purchases to alleviate the squeeze at the gas pump stations, especially due to the high gas prices. The Cash back rebate as high as 5% offered by cards of gas permit you to save a considerable amount on gas price, particularly if you got to travel a long distance running up a lot of miles in your car. .. (Credit Tips)

How to Get Your Free Credit Report With No Strings Attached

by:
 Brandon Cornett (October 21, 2008)  Yesterday, I received the following question from a confused consumer through my Credit Help Q&A blog: "I see a lot of offers for free credit report online, and even on TV commercials. But whenever I visit the actual website and read the information there, it seems like I have to sign up for something and pay a fee. Is there any way to get my free reports with no strings attached? Where . (Credit Tips)

Credit Cards & Late Payments - New Rules

by:
 Tiffany Dow (October 03, 2008)  The financial crisis and bank failures have resulted in lenders implementing new rules that many consumers won't be too pleased with. Here is a bit about how things have already changed - and you can expect more where that came from. More credit collectors will be after you. While the unemployment rate is expected to rise overall, that won't be true for credit collectors. Lenders like . (Credit Tips)

Credit Card Debt Now Something to Avoid

by:
 Tiffany Dow (October 03, 2008)  We have entered a new age in the world of loans and credit. Times were such that one could count on getting a new credit card application almost daily - sometimes two. But it seems the ease of applying for a new credit card may be the Achilles heel to a prospective home buyer. Why? It seems that one of the many things mortgage lenders look at when deciding if someone is a good credit .. (Credit Tips)

Unique Factors That Impact Your Good Credit Score

by:
 Jon Arnold (September 30, 2008)  Let's say that you have a good credit score. Let's even go a bit further and say that you have an excellent credit score, the kind that makes people envious of you. You have an outstanding job with very respectable income levels, you pay all your bills on time, and you are very conscious of keeping your credit score as sterling as possible at all times. You have worked very hard at .. (Credit Tips)

Solutions to Fix My Credit Rating

by:
 Tony Banks (September 30, 2008)  A lot of people are unaware of the fact that they can fix their credit rating themselves and the truth of matter is that no one shares the information openly. The reason is that there are to many people making money from the situation but I will show you how you can get your credit on track by doing it yourself. The key to getting your credit rating on track is understanding the .. (Credit Tips)

Credit Ratings - How Important Are They?

by:
 Tiffany Dow (September 30, 2008)  Credit is one of the most important tools you'll ever have as you go through life. Credit enables you to purchase a home, buy a car, rent an apartment, get a credit card, and even get your phone service set up. Every time you apply for a loan or credit, your credit worthiness is checked. Credit bureaus give you a credit rating based on your past credit history and this helps a bank .. (Credit Tips)

Why Raising Credit Scores is Critical in the Tight Financial Market

by:
 Jon Arnold (September 29, 2008)  As the economy continues to go downhill and with the collapse of many mainstay financial institutions, the time to be putting effort into raising credit scores has never been greater. In fact, even in the tight financial market, most consumers are totally unaware, even oblivious of what they should be doing or even what they CAN do to improve credit scores. Consumers need to come face .. (Credit Tips)

Keep Creditors at Bay - How to Use Your Credit Card Responsibly

by:
 Eric Jilson (September 29, 2008)  Credit cards, which offer extended credit lines to consumers, can be valuable tools in managing your finances. Millions of people have applied for or own major credit cards. Falling into debt with creditors, however, can lead you into the hands of collection agencies and even into court. If you are applying for a credit card, make sure you know what you are getting into before you sign . (Credit Tips)

Easy Method to Repair My Credit Rating

by:
 Tony Banks (September 29, 2008)  Most people are unaware that you can improve your own credit with a little effort. There are a few ways to do this and in this article I will go over a couple of the popular ones. The first step to improving your rating is to know exactly what needs to be deleted from your report and the only way to do this is to order a copy of your report from the three main credit bureaus. (Equifax, . (Credit Tips)

Are You Going Through the Grueling Task of Credit Repair Help? Tips You Need!

by:
 Ann Born (September 29, 2008)  Do you need credit repair help? Is your credit rating in the red? If so, then there are several avenues of credit repair help that you can take. Some involve the help of companies or banks whilst there are others that you can undertake yourself. One method of deleting your credit errors within 24 hours involves working with a bank or mortgage company. You can apply for a home loan and .. (Credit Tips)

Tips to Be Able to Improve Your Credit Rating

by:
 Mike Selvon (September 29, 2008)  Did you know that 60% of your credit rating is based on the activity within the last 24 months? You may be lamenting over those old collection accounts or an old bankruptcy filing, but if you have since gotten back on track, or plan to get back on track, then there is a silver lining for you. Borrowers can eradicate bad credit scores by establishing a short and long term financial plan .. (Credit Tips)

What Are You Doing About Your Bad Credit History?

by:
 Jon Arnold (September 29, 2008)  There are many different types of bad credit history, but the two most common are that you know you have bad credit and you could care less and don't want to do anything about it. While in this day and age where a decent credit score can do more than effect just your ability to get a decent rate on a loan or mortgage, or even disqualify you for landing that new job and paying higher .. (Credit Tips)

Credit Report and Credit Scores For Individuals

by:
 Julie-Ann Amos (September 28, 2008)  In this day and age it is vitally important to maintain a decent credit score, especially if you plan to make major purchases like a home or a car. If your credit score is 700 or above, your chances for being denied a loan are very slim; and while Triple A credit is a luxury people dream of, few actually achieve that goal due to poor financial choices. However, you can make the most of .. (Credit Tips)

Credit Repair - How to Raise Your Credit Score Very Quickly

by:
 Tony Banks (September 28, 2008)  There are numerous benefits to being able to increase your credit score in a timely manner. Especially if you are looking to make a big purchase such as a car, home or apply to receive some other form of credit. It is possible to raise your credit score fast and the route you would take depends on your situation. If you currently have credit cards and other open credit, you can .. (Credit Tips)

Credit Repair - How Fast Can I Improve My Credit Score

by:
 Tony Banks (September 28, 2008)  Fixing your credit score fast can save you a lot of money, especially if you plan to take out a loan for a big purchase such as a car, home or even apply for a credit card. The approach you take to repair your credit score fast depends on your situation. If you credit rating is “ok" your approach to a fast score will be different than if you have a lower credit rating. If you .. (Credit Tips)

Fast Ways to Raise Your Credit

by:
 Faranak Groves (September 27, 2008)  It's not uncommon to realize how important a good credit history is until you go to apply for a mortgage or a loan, rent an apartment or in some cases when you have applied for certain jobs. luckily, there are a handful of credit score techniques that can assist you get approve for the loan you need. Don't get discouraged and overwhelmed into think you have to higher a credit report .. (Credit Tips)

Credit Repair - Will Disputing Negative Items on My Credit Report Work?

by:
 Tony Banks (September 27, 2008)  There are many different ways you could have negative items on your credit report, which might have been to no fault of your own. You might have also heard a lot of noise in reference to having negative items being deleted from your credit report by what is known as a dispute. The truth of the matter is that you can have negative items deleted from your credit report with the right .. (Credit Tips)

Quick Credit Score Fixes

by:
 Tony Banks (September 27, 2008)  When time is of the essence and you absolutely need to raise your credit score fast, there is one strategy you can use to get this done. The secret lies in the credit score formula. There are a couple of factors that are taken into consideration when calculating your score, one of which is the amount of credit you are currently using. For example, if you have a credit card that has a .. (Credit Tips)

The Fastest Way to Clean Up My Credit File

by:
 Tony Banks (September 27, 2008)  Unfortunately credit is one thing that we need in order to function in today's world and having a good credit rating is a must. In this article I am going to give you some ideas on how to clean up your credit rating as quickly as possible. The first step would be to get a copy of your reports from Equifax, Transunion and Experian. Once you have a copy from all three of the bureaus you .. (Credit Tips)

Erasing Bad Credit by Myself

by:
 Tony Banks (September 27, 2008)  A lot of people are not sure if they can erase negative entries on their credit and restore their credit rating to a good one. Well there is good news, you can! What makes this possible are the laws that govern your credit report. There are specific laws in terms of what goes on your report and how long it can stay there. The key to cleaning up your report is understanding how to deal .. (Credit Tips)

The Importance of Your Credit Report Score

by:
 Jon Arnold (September 27, 2008)  Do you know what your credit report score is, or are you even sure how to find out that necessary information? Many people don't take advantage of obtaining their free credit report, often times they assume that the three major credit reporting agencies, Experian, Trans Union and Equifax are all linked by computer networks, but they're not. Each company reports different information and . (Credit Tips)

Credit Repair - Dealing With Collection Agencies to Repair Your Credit Rating

by:
 Tony Banks (September 27, 2008)  The process of restoring your credit is one that is a must in today's society. You will need it to get the best deal on everything from car loans to car insurance. In this article I will give you a proven formula you can use to increase your credit rating regardless of your current credit situation. The first thing you would need to do is know your credit standing. You need to find the . (Credit Tips)

Credit Repair & Restoration - How to Get Rid of Bad Credit

by:
 Tony Banks (September 27, 2008)  Getting rid of bad credit is not as hard as you may think, it may take a little patience but far from impossible. As a matter of fact, thousands accomplish this goal on a monthly basis but the big secret involves knowing exactly how the credit system works in America. It comes down to this. . . Your credit rating and file is nothing more than a way for businesses to make money. The .. (Credit Tips)

3 Easy Steps to Build Credit For Your College Student

by:
 Aubrey Clark (September 26, 2008)  Almost all parents will face the chore of having to deal with their child's lack of credit. Yes, the dreaded cosigning question. If you are able to stroke a check for that new car, make the down payment for the new house, or stroke a check for that extra semester at college this article may not interest you. However, for average Americans like me who are sweating $4 gas prices: listen .. (Credit Tips)

Credit and Loan Credit Repair

by:
 Lee Beattie (September 25, 2008)  Bad Credit Personal Loans provides many a types of loans including: debt consolidation, home improvement, refinance, home equity, and combo loans. Using debt consolidation programs to reduce your monthly payments could be a worthy credit and loan credit repair resource that will give you from expecting to max out your credit cards and pay your bill on time. Bad credit isn't the only .. (Credit Tips)

Sensible Use of Credit Cards For Students

by:
 Caden Flynn (September 24, 2008)  Just about every college student possesses and uses at least one credit card. Most of these students use them carefully and see them as an opportunity to build a good credit rating. There are, however, a significant number of students who find themselves in difficulties and with a debt that has to be repaid once they are in the position to earn money. It is important that those students . (Credit Tips)

Use Your Phone to Raise Your Credit

by:
 Patrick Zanders (September 24, 2008)  With the economy going through a tough time, it is more important than ever to have your credit score as high as it can be. One way to increase your score immediately is to add alternative credit to your credit file with the main three credit bureaus. Up until now, if you paid for a buy here pay here automobile, a cell phone, utilities or even cable, the only way these would be .. (Credit Tips)

Are Credit Card Companies Evil? What Credit Card Issuers Don't Want You to Know

by:
 Josh Ramos (September 24, 2008)  If you're one of the millions of Americans who struggles to pay their credit card debt each and every month, you may have asked yourself this question. Are credit card companies evil? You might find that question silly, unless you're drowning in a ton of credit card debt and can't seem to find your way out. If this is the case, then the above question probably doesn't sound so .. (Credit Tips)

How to Repair Bad Credit Rating Information

by:
 Melanie Ullman (September 23, 2008)  Although it may take a bit of work, it's possible to repair bad credit rating information that's showing up on your credit report. The smart thing to do is to immediately start taking the steps needed to get your credit score to what it once was. A lot of what you may be able to do will depend on how severely your credit has been damaged. If you're suffering from bad credit due to .. (Credit Tips)

How to Stop Abusive Debt Collectors and Repair Your Credit

by:
 Tony Banks (September 23, 2008)  Third party debt collectors are know for their abusive tactics when dealing with consumers, so much so that the major ones have been fined by the Federal Trade Commission numerous times for this very act. Most people are unaware of the fact that mail and telephone abuse is actually a violation of the law by debt collectors, they cannot use certain language in their letters as well as .. (Credit Tips)

Credit Score Repair Tricks You Need to Know

by:
 Tony Banks (September 23, 2008)  Just about every American needs to be well informed about their credit score and how it works. It affects to much of your well-being and lifestyle in today's economy. Everything from insurance rates to employment in some cases. You would wonder what your credit has to do with these aspects of your life but capitalist have found a way to tie it all together to make more money. In this .. (Credit Tips)

Credit Improvement - How to Easily Build Up Your Credit

by:
 Tony Banks (September 23, 2008)  You might have run into tough times or might have a blank credit report, whatever the case it is possible to build up your credit rating. You must understand that it will take some time and effort on your part. The first action you want to take is to pay close attention to any credit you might currently have, you want to make sure these accounts are up to date and not more than 30 days . (Credit Tips)

How to Raise My Credit Score by at Least 100 Points

by:
 Tony Banks (September 23, 2008)  Raising your credit score by at least 100 points is very possible, the first step is to understand the items on your credit report that affect your score and allow you to reach this goal. The first thing you want to look for on your credit report are errors, especially errors that are negative on your report. This kind of entries can be doing the most damage to your score and you want .. (Credit Tips)

Tips on How to Improve Your Credit Score

by:
 Melanie Ullman (September 23, 2008)  By the end of this article you will have gained a decent understanding of how to improve your credit score. You can quickly increase your credit score by taking simple, yet highly effective steps that will probably even surprise you because of how well they work. A lot of people who offer advice on how to improve your credit score will tell you that the quickest way to see a boost in .. (Credit Tips)

Perform Your Own Credit Score Repair

by:
 Melanie Ullman (September 23, 2008)  Did you know that you can quickly and legally your own credit score repair? You can easily do so just by learning the right tips and secrets. It doesn't matter what your current credit score is, this information can be used by anyone. If you're not at all interested or up to doing your own credit score repair, there are legal firm and other companies that specialize in credit repair who . (Credit Tips)

A Checklist to Keep in Mind When Applying For a Credit Card

by:
 Landon McGehee (September 22, 2008)  There are many things you should keep in mind when thinking about the different types of credit cards that are available to you. You should think about how you will use the credit card and why you need the card. You also should consider what the annual percentage rate (APR) and fees are, and if you plan to pay your debt each month or if you plan to keep a balance. If you plan to pay .. (Credit Tips)

College Credit Card Student

by:
 John F Smith (September 22, 2008)  College life is really a lot different from your high school life. In universities and colleges, you have to deal with more people and you have to handle greater responsibilities. When responsibilities come into the scene, it is usually accompanied with greater needs and finances. More projects, more extra curricular activities, they all need budget. If your parents are also experience .. (Credit Tips)

Credit Cards For Business

by:
 John F Smith (September 22, 2008)  Establishing a new business does not just require skills and good management, this also has to be done with good capital. This factor is solved by most businessmen by getting sufficient amount from loans. A credit card for business is very essential indeed for these individuals. Credit card for business is not just intended for large and well-established companies. Even the small-sized . (Credit Tips)

Gas Credit Cards For Bad Credit

by:
 John F Smith (September 22, 2008)  Gas has been one of the most important factors used by most industry, particularly in transportation. Since billions of vehicles are using this liquid, the utilization of gas has been maximized and has actually been a significant part of the business industry. It actually helps the economy, businessmen, and definitely the people. However, on the other side of it, as the usage of gas has . (Credit Tips)

How Does Credit Info Affect Your Mortgage Approval Process

by:
 Mike Selvon (September 22, 2008)  To mortgage lenders, your credit info is going to be very important. While it may feel invasive, your mortgage credit reports will tell the banks whether or not they can trust you to repay them. They'll look for late payments, missed payments, bankruptcy filings, previous foreclosures, loans, total available credit, types of it, open accounts, closed accounts, collection accounts and .. (Credit Tips)




Related Categories