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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.
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Adverse Car Credit Understanding it When Purchasing a Vehicle

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 Calissa Hatton (August 19, 2008)  When we need a vehicle, most of us can rely on taking out a car loan to pay for our new toy. However, if you have adverse credit, this finance may be difficult to obtain. Adverse car credit is an alternative and it comes as secured and unsecured for people with just this problem. Secured finance is used in actions when the borrower has collateral to put up and if this is not the case, .. (Credit Tips)

3 Critical Credit Card Tips

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 Benjamin Wise (August 19, 2008)  There is no doubt that credit cards are popular. The reason they are popular is because they are so convenient to use. In actual fact not having a credit card can be an inconvenience. Due to the fact that they are so convenient one should use them with caution. Tip Number 1 Do not if at all possible fall behind on your payments. This can really get out of hand very quickly. Before you . (Credit Tips)

How Can I Improve My Credit Score Three Tips to That Can Improve Your Credit Score in 30 60 Days

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 Darin Sewell (August 19, 2008)  When it comes to your credit score obviously the higher the better. But what if your scores are a little low, then you have probably wondered how can I improve my credit score? You probably want it increased fast as well! Below are three tips that can help you and the best part is they can be done almost for free and they work fast! Free Tricks To Improve Your Credit Score Get Higher .. (Credit Tips)

Do Services Like Lexington Credit Repair Work Or Will Do it Yourself Credit Repair Work Better

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 Darin Sewell (August 19, 2008)  Do an internet search for credit repair and Its hard to avoid all the ads for credit repair companies like Lexington credit repair. They all promise great results and if you need your scores  improved you may have thought about trying a service like this. But do you really need the services of a paid  company or can do it yourself credit repair work just as well? What you must first .. (Credit Tips)

Need a Higher Credit Score - Six Tips For Fast Credit Report Repair You Can Do For Free

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 Darin Sewell (August 14, 2008)  The following credit report repair tips will give you a proven plan to deal with derogatory or incorrect information on your credit report. So if you have a low credit score or have accounts with late payments and are tired of being turned down for financing then read ahead! 1. Correct The Mistakes On Your Credit Report If you find obvious mistakes on your credit report you need to .. (Credit Tips)

Improving Your Credit Rating

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 Brendan Flushing (August 14, 2008)  Anyone who has got a damaged credit rating and has tried to apply for any form of finance such as credit cards or loans over recent months will probably have realised that things have become far more difficult for those with poor credit. In the past getting finance even with damaged credit was not too difficult, and consumers enjoyed a long period of easy credit. However, following the .. (Credit Tips)

How Bad Credit Can Affect Your Future

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 Brendan Flushing (August 14, 2008)  There are times when the vast majority of us have to rely on credit to get the things we want in life. Whilst you may have good intentions and intend never to get into debt, most of us are not lucky enough to have hundreds of thousands of pounds sitting in the bank, and therefore we have to rely on finance to get things like a home, a car, and other major purchases. However, if you have . (Credit Tips)

A Couple Examples of My Creative Financing Talents

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 Kristen Easton (August 14, 2008)  It's well known in my family that I am pretty good at handling money. When we first got married I paid off over $30,000 worth of debt in about 18 months and did it all while still buying six big ticket items. We didn't make a lot of money, but we did both work full time and worked hard to keep our spending in line. We've been married ten years now and our money management skills have .. (Credit Tips)

Does Shopping Around For Credit Hurt a Good FICO Score?

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 Kyle Gentile (August 14, 2008)  Your FICO score is based on your credit report and 10% of the score is weighted on your applications for credit listed on it. In particular, your FICO score looks at how many accounts you have recently applied for, how many new accounts were opened, how much time has passed since opening a new account, and how long it has been since you have applied for credit. Looking at the criteria, . (Credit Tips)

The Official Credit Repair Tip - Be a Good Citizen and Shut Up

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 Peter Boston (August 13, 2008)  Articles about credit scores, credit reports and how to nurse your credit rating back to health are becoming standard fare in metropolitan newspaper columns and on TV network news websites. You can usually find them in the weekly real estate section of your newspaper along with lots of stories about the financial crisis of the day - sub prime mortgage foreclosures. Despite the seemingly . (Credit Tips)

Expensive Credit Cards - Saving Money

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 Hector Milla (August 13, 2008)  Would you think there are secret fees by using your credit cards?, the easy answer is yes, but is not that easy, in a modern and regulated world it would be almost impossible those kind of charges, of course if you are in the formal market, then there are additional fees that while are not discussed openly, they are always in the small letters of the terms of service. - One of the the .. (Credit Tips)

The Implications of the Bank of America Credit Card Customer Bash Up

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 Peter Boston (August 13, 2008)  In January of this year the credit card division of Bank of America sent a letter to some of its 40 million credit card customers telling them by fiat that they were jacking up the interest rates on their BoA credit cards to as high as 28%. There was no explanation given about why this was happening. In many cases the cardholders were responsible citizens who paid their bills on time .. (Credit Tips)

Example Letter to Dispute Your Credit Report

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 Paul Elms (August 13, 2008)  If you've just received your credit report and there are some mistakes on it, you will want to dispute it. Here is a template letter that you can use. Checking your credit report is something that you should do at least once a year. You should ensure that all of the items are valid and that no mistakes have been made. If you do find a mistake, it could have implications for your credit . (Credit Tips)

Some Credit Repair Companies Are Scams Three Tips to Help Spot Bad Credit Repair Companies

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 Darin Sewell (August 13, 2008)  We have all seen advertisements on television, Internet and in local newspapers for companies that promise to raise your credit score and clean up your credit report. Maybe you even thought about using one of these services but stopped and wondered are credit repair companies scams and is there a way I can do this myself instead? The truth is that the credit repair industry is full of .. (Credit Tips)

Credit Score - Find Out How to Improve It

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 Bryan Burbank (August 12, 2008)  When you are searching for a loan the most important factor to get approved and to get a low interest rate is your credit score. If you have a credit score that is less than desirable then it is good to know that there are things that you can do to improve it. The first thing you want to do is to contact the three credit reporting agencies and have them send your most recent credit .. (Credit Tips)

Fixing a Bad Credit Score - Credit Repair Kit Or Credit Repair Company

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 Samantha Jones (August 12, 2008)  Fixing a bad credit score is becoming increasingly important today. Getting any type of credit is getting harder and interest rates are becoming increasingly punitive for those with bad credit. If that wasn't enough prices are rising, seemingly every week, so it is becoming very difficult to live without a decent line of credit. The Basics Of Your Credit Score Everyone will calculate .. (Credit Tips)

How Can a Credit Consultant Help You

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 Faranak Groves (August 12, 2008)  If you having a great deal of problems with you credit score and are suffering from poor credit rating and on top of that you are unable to deal with this problem for what ever reason then a credit repair consultant is what you need . after all we all need some help at times whether is because we are too busy or just do not have enough experience in this field. To deal with credit .. (Credit Tips)

A Complete Guide to Your Credit Score

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 Dawn Smith (August 12, 2008)  If you don't know what your credit score is, you should. This is one of the most basic pieces of information potential creditors use when they decide whether or not you should qualify for a loan or credit card, for example. More than that, though, your credit score is also sometimes used as a means to gauge your reliability as a potential employee when you apply for certain jobs, and .. (Credit Tips)

Five Essential DIY Credit Repair Tips You Need to Know For Successful Self Credit Repair

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 Darin Sewell (August 11, 2008)  Credit repair is a great way to improve your credit scores and get a fresh financial start. However many people cannot afford the cost of a credit repair service. The good news is that you can do credit repair yourself and get the same results as a credit repair company would, you just lose the convenience of not having to do anything. This article will discuss a few important DIY .. (Credit Tips)

Ways to Find Credit Cards For People With Bad Credit

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 Gary Clark (August 11, 2008)  Before taking out a credit card, research the different companies and check for the best rates. Avoid cards with high interest rates and high limits. Until your credit is repaired, you want to reduce your expenditure as much as possible. If you get another credit card and use it responsibly, you will be able to repair your credit rating. Make sure that with the new credit card, you pay . (Credit Tips)

Increase Your FICO Score With These Easy Steps

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 Gary Clark (August 11, 2008)  Keeping track of your credit rating is indispensable. It will help you identify problem areas and fix them before they get out of hand. The best way to do this is to get a copy of your credit sheet from some of the bureaus. You are allowed to request a copy of your report for free once a year. Always request your report from each of the three main bureaus; Equifax, Trans Union and .. (Credit Tips)

Easily Keep Track of Your Credit Score

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 Terry Detty (August 11, 2008)  Credit is said to be a system of buying and selling without immediate payment or security. Credit may be in the form of credit cards or loans. Any individual who desires to process a credit card or loan application will have to abide by the rules and regulations set forth by the lender. An important factor for any credit application to be approved is your credit score. A credit score .. (Credit Tips)

What is a Good FICO Score and How to Get One

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 Kyle Gentile (August 09, 2008)  This is a question is being asked more than ever. Are you asking what is a good FICO score? The reason why so many people are asking what is a good FICO score is the use of the FICO score when applying for a mortgage. Lenders use your FICO as a way to determine risk. It helps determine the monthly payment and the interest the lender will give you on a loan. That is the reason why a good . (Credit Tips)

Improving Your Credit Score in Four Easy Steps

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 Faranak Groves (August 09, 2008)  If you have had a difficult time in your life where your credit score has dropped, there are some ways of improving your credit score rather quickly. As a matter of fact, most people are surprised that they are able to bring their numbers up to the extent where they may actually be able to apply for a mortgage and be accepted. Although that certainly is going to take a little bit of .. (Credit Tips)

How to Fix Your Credit Card Debt Problems

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 R Rama (August 09, 2008)  Credit cards are known to be the most convenient source of making payments, however credit card debt is a major problem and is growing fast in the UK. A vast majority of cardholders lead to overspending money and then find themselves slip into debt problems. If you cannot pay off the balance each month, then don't consider obtaining a credit card. If you need to use credit to make a .. (Credit Tips)

Should I Use a Self Credit Repair Kit Or Credit Repair Company to Fix My Credit Score

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 Darin Sewell (August 09, 2008)  If you have bad or troubled credit and are considering making a large purchase like a car or home soon you should start thinking about fixing your and improving your fico score. There are generally two ways to fix your FICO score and that is with a credit repair company or with a credit repair kit. Professional Repair Companies Everyone has heard of or seen some sort of advertisement .. (Credit Tips)

How Do it Yourself Credit Repair Can Work For You

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 Ryan J. Taylor (August 09, 2008)  The do it yourself credit repair approach is a sensible choice. It can save you thousands of dollars and you can see results fast. The fact is, fixing your own credit is not a difficult task. When you understand how the system works, you realize just how easy it is to manipulate in order to get approved for the loan you need. Typically, a lender will look at your credit rating in order . (Credit Tips)

How Do it Yourself Credit Repair Can Help You

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 Ryan J. Taylor (August 09, 2008)  The do it yourself credit repair approach is a wise choice, especially when compared to the alternatives. You'll save thousands of dollars and have the flexibility needed to boost your score as quickly as possible. Seeing a credit counselor can cost your thousands of dollars, but it can also indirectly hurt your credit and your ability to raise your score. That's because when you use a . (Credit Tips)

How Can I Fix My Credit? Easy With These 3 Tips

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 James McKerr (August 02, 2008)  Here are some great tips to help you repair your credit by yourself, saving you money in the process. 1. Avoid expensive credit repair schemes. The market is flooded with unscrupulous companies looking to take advantage of desperate or vulnerable people that are in need of help. Many of these companies charge incredibly big fees for their services and the quality of work they do can .. (Credit Tips)

Credit Card Planning Now to Avoid Credit Counseling Later

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 E.S. Cromwell (August 01, 2008)  It seems that everyone these days either wants or already uses credit cards. And sadly, as it stands, it appears that even the relatively young are now popularly using plastic cards, easing their way into the adult world - using credit to make purchases both big and small. And in a way, it makes sense that they're doing so. Modern life now progresses in stages, each requiring it's .. (Credit Tips)

How to Choose a Good Credit Repair Fix Company

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 James McKerr (August 01, 2008)  It can be incredibly difficult to know how to choose a good credit repair company. I used to hear so many horror stories about people who had wasted large amounts of money on firms that were supposed to repair their credit score but in some cases either did nothing or made the situation worse! I myself faced the same problem until I discovered a fool proof way to repair my credit that .. (Credit Tips)

FICO Demystified

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 Mike Clover (July 31, 2008)  Your lender rattles off the term as if everyone knew exactly what FICO meant. But most of us don't even know what the letters stand for. The first part is simple: The Fair Isaac Corporation. Sounds mysterious, doesn't it? What the heck is a Fair Isaac? Nothing. It just happens to be the names of the men who started the company. In 1956, engineer Bill fair and Mathematician Earl Isaac .. (Credit Tips)

Do it Yourself Credit Repair in 6 Steps

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 Ryan J. Taylor (July 31, 2008)  The do it yourself credit repair approach is a good one. Not only will can you save hundreds, or even thousands of dollars in credit counseling fees, but you can actually see better results. There's not much a credit counselor can offer to do that you can't do completely on your own. It's just a matter of knowing the system and how to manipulate it. The strategies counselors use to .. (Credit Tips)

Controlling the Future of Your Credit Health

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 Colin Hogue (July 31, 2008)  Credit health isn't just about the present and the management of your current debts. Your future credit health depends not only on how you manage the debts you already have but also debt you incur in the future. Do some investigating into your spending / charging habits. You need to review some of your recent bills and even some not-so recent bills, if you have access to them. You .. (Credit Tips)

Pay Your Debts to Raise Your Credit Score

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 Mike Clover (July 31, 2008)  Sounds simplistic, doesn't it? Just pay down your debts, your credit score will raise, and all will be fine. But if you're in debt, there's probably a reason - such as spending in excess of your income. If you want to build a good financial reputation - otherwise known as a good FICO score - you'll have to make the effort to bring your spending in line with your income. You have two .. (Credit Tips)

Credit Repair Contracts What You Need to Know Before Signing a Credit Repair Contract

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 Ken S (July 31, 2008)  Section 406 of the Credit Repair Organizations Act protects consumers by making credit repair organizations provide you with a clear, written contract before performing any type of credit repair service. In a time when gasoline, food prices, and mortgage loan foreclosures are at an all time high, many people have bad credit. A great deal of us are looking for a little help getting our .. (Credit Tips)

The Secret to Repair Your Credit Score Revealed

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 James McKerr (July 30, 2008)  I have always been impressed with people who manage to stay on top of their finances and seemingly buy what they want when they want it and still manage to repay their debts. Staying on top of my debts was a real issue for me until i discovered that I was focusing on the wrong things. I was trying to control and protect something (my credit score) that I had virtually no knowledge of. .. (Credit Tips)

Find Your Way Out of Credit Card Debt

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 Benedict Yossarian (July 30, 2008)  Credit cards can be very convenient when we purchase things from the grocery, from the bookstore, at the auto shop, or online stores. With one swipe or a few clicks, the transaction is done. Collectively, these swipes of convenience annually amount to $8 Trillion for Americans. Balances for credits can go spiral and debt accumulates faster more than we can imagine. You have multiple .. (Credit Tips)

Free Copy of Your Credit Report Why You Must Get One

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 Paul Elms (July 30, 2008)  It is now possible to get a free copy of your credit report. In the past you would have needed to pay to access the information that the credit bureaus have about you, but it is now the law that you can get the information on an annual basis for no charge. The reason that this has come about is because of the increase in identity theft and financial fraud. This is where criminals take .. (Credit Tips)

Why Bad Credit Unsecured Credit Cards Are Not a Good Idea

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 John C. White (July 30, 2008)  In case you are like millions of other people with bad credit, unsecured credit cards are obtainable. You can have the same buying power of any other person with a conventional credit card. You are able to make purchases in stores and on line with your credit card. However, there is one slight difference. The credit card you are using is a prepaid card. This is not a secured credit .. (Credit Tips)

Beware of Credit Card Repair Scams

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 John M Marshall (July 30, 2008)  There are many different types of credit scams. The vast majority of them have been created to simply separate you from your money. Some also encourage you to engage in some illicit activity in order to improve your credit score. Some of the most common scams include using an EIN (Employee Identification Number) to obtain personal credit. This is illegal. Other common scams include .. (Credit Tips)

Credit Card Chargeback

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 Manan Kumar (July 30, 2008)  Discovered some fraudulent transaction on your monthly Credit Card statement? Use Chargeback to get Reversal of a Credit Card Transaction. There may be the cases when you find your Credit Card has been charged without your consent. In case you are not satisfied with the quality of product or service then too you can make use of chargeback option available with all the Credit Card .. (Credit Tips)

Do it Yourself Credit Repair Strategies

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 Ryan J. Taylor (July 30, 2008)  Do it yourself credit repair works and the results can be fast. There is absolutely nothing you can't do that a credit counselors charge thousands of dollars for. Not only will the do it yourself approach save you money, but you could see better results at a much faster rate. Credit counselors use insider techniques to help you raise your credit score. Unfortunately, most lenders and .. (Credit Tips)

Why You Need Your Free Credit Report Today

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 Peter Boston (July 30, 2008)  Most Americans don't know anything about credit reports and credit scores, even though they can get a free credit report every year - and don't care. So long as they can get a car loan or a credit card then everything is OK and there is no reason to inquire any further. That idyllic attitude may soon clash harshly with reality as the nation's lenders tighten their belts and become more . (Credit Tips)

Business Credit Article 2

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 Trent Lee (July 30, 2008)  5 Big Mistakes to Avoid When Building Business Credit There are countless entrepreneurs today operating their businesses in a manner that puts them at great personal risk-risk of being hounded by creditors, poor financing offers on new cars, and even losing their homes. The risk stems from poor money and credit management. Many business owners are completely unaware of the mistakes .. (Credit Tips)

Credit Repair 5 Ways the Law Protects Consumers Against Deceptive Credit Repair Organizations

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 Ken S (July 30, 2008)  If you have bad credit, legitimate credit repair and/or credit restoration services can be a big help if you are trying to establish creditworthiness. The problem is, there are companies that prey on people with credit problems. Title IV of the Consumer Credit Protection Act (Public Law 90-321, 82 Stat. 164) was developed to protect consumers by prohibiting deceptive practices by credit . (Credit Tips)

5 Credit Bureau Repair Tips

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 Aubrey Clark (July 29, 2008)  The epidemic of home foreclosures, higher gas and food prices have stretchered the average consumers budget to the max. According to Trans Union and Equifax, national credit scores are steadily dropping at a higher rate than they have seen in the last decade. As a result of the lower credit scores large ticket items, like homes and automobiles, have began to slow down fueling the .. (Credit Tips)

New Law to Obtain a Free Credit Report

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 Peter Craske (July 29, 2008)  Are you aware of the new law to obtain a free credit report? With our economy on the edge on depression, we are now beginning to see an impact on people's personal spending. Gone are the days when you could almost guarantee a high credit score and get the mortgage that you wanted. The effect of the credit crunch has been to make lenders become much stricter in their requirements on .. (Credit Tips)

Bad Credit Repair 8 Top Tips

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 Peter Boston (July 29, 2008)  The information in your credit reports at the three major credit reporting bureaus is too important to just ignore and hope for the best. You can contact the three major credit bureaus at the “official" website annualcreditreport.com for a free copy from each of the three major credit bureaus one time per year. If you request only one of the three reports every four months then .. (Credit Tips)

The Absolute Fastest Credit Repair Method

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 Ryan J. Taylor (July 29, 2008)  Credit repair concerns seem to come just as it may seem too late. But even if you have already been denied for a loan or believe you have plenty of room for improvements, it is not too late. There are many strategies you can do right now, without the help of a credit counselor, to get the loan you need. But fast credit repair has just as much to do with your current situation as it .. (Credit Tips)




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