There are a couple of things that you need to know about having less than perfect credit. The first is that there are more people out there whose credit profiles are not nearly as awesome as they’d like them to be—so there is no reason to feel embarrassed about your score or situation. The second is...
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Your Credit Scores: How Much Do You Know About Them?
How often have you heard the term “credit score”? Perhaps— many times. Yes, you know that it will be one of the key factors considered by lenders when you are looking for loans of any kind—be it cars, mortgage, home improvement, or anything. However, are you exactly aware of the regulations behind them? Are you...
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What to Do If You Have Credit Issues?
Credit issues can impact just about every aspect of your life. Why? If you do not have a good credit score, it is harder to qualify for mortgage loans, auto loans, and other types of financing. In addition, a bad credit score can result in higher insurance premiums, and you may not be able to...
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5 Reasons Credit Cards Make Financial Sense
It’s easy to vilify credit cards as a means of racking up huge amounts of debt. Whilst it’s definitely true that UK consumers are often heavily indebted to their cards, they can still be useful tools to protect your finances and manage cash flow: They Protect Your Cash Fraudulent transactions and identity theft are rampant...
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How Your Credit Score Is Determined
Like income taxes and 401Ks, credit scores can be mysteriously difficult to understand. With the overwhelming majority of the population being affected by them, one would hope there would be a simple method for individuals and families to calculate their own scores. Of course, the same could be said for taxes and retirement plans, but...
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Unlocking the Mystery of Your Credit Report
A recent FreeCreditScore.com survey discovered that 28% of respondents have never checked their credit scores, so it’s not surprising that so many consumers have no idea what to expect to see on their credit reports. However, there’s no excuse for not understanding your credit report because you can request a free copy of your report...
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How Can I Improve My Mortgage Credit Report?
There’s a new buzzword around town. And that buzzword is “mortgage credit report.” And it’s definitely in your best interest to pay attention to this new buzzword. Because if you ever hope to buy a home it is vital to know how important these mortgage credit reports truly are. Mortgage credit reports explained So let’s...