Credit Repair

Building Credit With No Credit

When it comes to building credit with no credit, there are several factors that you need to take into account. Just because you do not have any credit history at present, it does not mean you will never have one. No one is born with a readymade credit history. You have to give it a start at some point of time in your life. At the same time, it is also very important for you to understand that you will have to face great difficulty in qualifying for loans, mortgages, credit cards, and insurance policies if you do not have any credit history. Your credit worthiness also plays a very important role when it comes to getting an apartment on rent, getting utility services (such as phone connections) in your name, or even getting employment. Luckily, there are plenty of things you can do to improve your credit situation. Following is a brief rundown on it. ...Read more>>

The Fastest Ways To Improve Credit Score

If your finances are getting out of control and you are having difficulty in obtaining credit cards or loans, this is the time when you must learn how to improve credit score. Your credit history plays a crucial role when it comes to getting approved for loans or getting lower rates on insurance policies. The best financing packages are offered to those who have a high FICO score. Even the approval comes very easily for them. Following are some of the tips that can help you boost your credit within a very short period of time. ...Read more>>

How to Establish the Credit Worthiness of Your Company - A 5-Step Guide to Building Corporate Credit

When it comes to establishing the credit worthiness of your company so that your new business can grow to its full extent, you must have an in-depth understanding of the various aspects associated with corporate credit. Before you apply for business loans, make sure you thoroughly review the credit situation of your company. If it is not at par, you must first implement certain strategies to improve the same. ...Read more>>

Can You Help Your Spouse in Improving Credit?

The worst thing about bad credit is that it doesn’t go away easily. When it comes to improving credit, there are plenty of things that a person can do, but the process can become much easier and smoother if he/she gets help and support from his/her spouse. You can help you spouse in getting rid of the bad credit situation. ...Read more>>

4 Steps to Build Credit in Six Months

You just have to demonstrate a significant change in your behavior, the way you deal with your finances, and it should not take more than six months to build credit and achieve a perfect FICO score. Don’t panic even if your score is at the worst level at present. In reality, the worse the score is, the faster it can improve once you start implementing the right strategies. You can do wonderful things within a six month period to give a significant boost to your credit worthiness by using these strategies. ...Read more>>

Improve Your Credit Score Using Student Loans

There are several ways to improve your credit score. But, very few people know that student loans can also play a crucial role in this regard. If you follow certain strategies, it can help you achieve a better FICO score. ...Read more>>

How to Build Credit after Bankruptcy?

If you are looking out for ways on how to build credit after bankruptcy, you have finally come to the right place. However, do not expect a magic wand. All you will get here is information about some basic steps, which if you follow thoroughly and consistently can help you achieve a better credit score. It is true that bankruptcy filing remains on your credit report for around 7-10 years, but there are plenty of things that you can do to nullify its effects. ...Read more>>

How To Build Credit Using A Prepaid Credit Card?

If you are struggling with your poor FICO score, you can build credit using a prepaid credit card. This is one of the safest and easiest ways to improve your credit worthiness. If you are consistent in your efforts and follow the right strategies without fail, this method can help you increase your FICO score dramatically within just a few months. Following is a brief rundown on some of the various aspects associated with the same. ...Read more>>

Is It Possible To Improve Credit Score In 30 Days?

If you want the answer in one word, the answer is yes. It is very much possible to improve credit score in 30 days, but if you are expecting to achieve a very high score within such a short period of time, your expectations are not very practical. Within a period of thirty days, you can improve your score by a few points, that too, if you follow the right strategies with patience, determination, and financial discipline. Sometimes, you may find yourself in a situation where you need a new loan or a credit card, but you are unable to qualify for a good deal just because your FICO score is a few points lower than what is required to meet the qualifying criteria. In such situations, you may like to try the following tips. ...Read more>>

How Timely Payments Can Boost Your Credit Score Within Six Months?

Are you struggling with bad credit and are looking out for ways on how to boost your credit score within a short period of time? If yes, you will be glad to know that you can do this within just six months of time; all you have to do is just to focus on timely payments of your debts and bills. There are three major credit bureaus that maintain the entries on your credit reports, which eventually help others (such as, lenders, landlords, utility service providers, and employers) to decide how responsible or irresponsible you have been in dealing with your financial matters. A low score means you are financially quite irresponsible. A high score on the other hand means people can trust you when it comes to having some financial transactions with you. Following is a brief rundown on how timely payments play such an important role in all this. ...Read more>>

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How Changes To Payday Loan Law Can Save Consumers From Debt Traps
Payday lending laws have changed over the last few years to protect consumers from payday loan debt. Payday lenders have received much bad press recently. Often they are called loan sharks. Public hostility ag... Read more

What are the pros and cons of debt consolidation?