Archive for December, 2011

I Need to Dispute my Credit Report…Please Help!

I Need to Dispute my Credit Report...Please Help!

If you discover false representations in your credit report, you don’t need to stay silent about it. The laws in several jurisdictions empower consumers to dispute a questionable credit report. The policy of the issuing credit bureau and the laws of the jurisdiction you obtained the credit report would determine the process for disputing a [...]

How Do you Identify a Good Credit Rating?

How Do you Identify a Good Credit Rating?

You certainly know that your credit history spells out the mode of your financial transactions, and also plays a role to determine whether you would get a job or not. So, it is crucial for you to keep an eye on your credit rating and ensure it maintains a commendable status at all times. Now, [...]

Do You Know that Even a Barely Late Payment Could Severely Impact Your Credit Score?

Do You Know that Even a Barely Late Payment Could Severely Impact Your Credit Score?

Here are questions from a concerned consumer, and the answers from credit report experts; “I made late payments recently, but only fewer than 30 days, would this impact my credit score? If yes, what would be the extent of the impact? I’m also concerned; perhaps the lenders may report me to the credit score companies. [...]

Credit History: Do You Really Know what Your Credit History Is?

Credit History: Do You Really Know what Your Credit History Is?

Your credit history is simply a report that keeps account of how you manage your credit. The contents of your credit history include information on how you borrow and repay your credit cards, mortgages, personal loans, payment of bills, as well as information about debts to other creditors.

Credit History: Credit Building Advice from Experts

Credit History: Credit Building Advice from Experts

Credit building is the road map to credible credit history. The top credit building tips provided in this post are straight from two credit counseling experts. Here’s what these experts has to say; Make your payments on time; put simply, timely payment is your credit score’s highest weighted component – it accounts for nearly 40% [...]