As you can likely tell by now, credit repair is not one magical solution but rather lots of relatively small things you can do to help repair your credit. To make sure that you don’t overlook any one thing, you may want to develop a to-do list that you can post and check off.
People with the best credit scores (750 and above) have seven habits in common. Contrary to what you may believe, these “high scorers” are not necessarily wealthy, not always employed in a profession and not, by default, high net worth individuals. Chances are you have highly creditworthy people in your circle of friends. The habits […]
Credit card companies will often offer you special introductory rates, generous free gifts, or other incentives to switch companies. However, you should resist the temptation unless you have a reasonable reason to switch. Establishing a good credit relationship with one company, having a few cards from your college days, for example, is a good way […]
Lenders will often look not only at your credit score but at other financial indicators such as your income, employment record, and savings. Keeping these things in order can complement your credit score and can help you get good overall credit. Some lenders have their own ways of calculating credit scores, so keeping your overall […]
Financial maturity is not necessarily a function of age. I’m sure we all know someone who is financially challenged despite his/her advanced chronological age. You know it’s true … otherwise scammers wouldn’t bother to target senior citizens.
Talk to your bank and lenders about services they offer to keep you safe. Overdraft protection, for example, is a basic service that often costs nothing or very little extra that protects you in case you withdraw too much money from your bank account. With overdraft protection, you do not get a “ding” on your […]
Your credit score in some ways is meant to be a snapshot of your overall financial habits, especially your habits surrounding debts and other financial responsibilities. Developing some good financial habits can help your credit score by putting you in a good financial position. Good financial habits will ensure that you don’t get into too […]
Many companies out there advertise that they can help you with credit repair, but the quality of these services, not to mention what they offer, varies widely. Some companies really can help you with credit repair while others are actually under investigation for suspect business practices. If you decide to seek help from a credit […]