credit

Factors that Leave an Impact on the Borrowing Capacity

A few key factors tend to influence your borrowing capacity under all circumstances. It’s actually a single important factor that helps in determining whether you can own a home or not. Gaining a fair idea of how much you can borrow is of great help when you’re considering multiple properties simultaneously.

Once you gain a fair idea of your actually borrowing capacity, you’ll be able to adjust your property search accordingly. You may even achieve a few options that fall within your budget once you do your research. Many of you may simply be wondering about the factors that can prevent you from achieving the desired loan amount and the maximum amount that you can borrow.

Find out ways to enhance your chance of borrowing more:

Financial Commitments:

Prior to issuing a home loan, a lender has to determine the extent of mortgage repayment that you can afford. Apart from your income, the lender is bound to check out the commitments you have towards other outstanding debts.

A greater repayment capacity will enhance your power to borrow, more so, when you co-own a property with a relative. Your financial commitments may include vehicle financing, credit card repayment, repaying loans and other debts.

Loan Repayments:

The amount that you can borrow may be easily determined by the interest rate and the loan term that you sign up for. As the rate of interest falls, your repayment amount also gets lower. By opting for a short-term loan, you’ll end up saving much of the loan interest. You must accept a loan repayment term that matches your financial situation.

Living Costs:

Your loan application only gets approved when your lender does through your living costs. School fees and cost of child care are among charges that increase your living cost. Once the lender is able to identify your borrowing capacity, it becomes much easier for you to sort out these expenses. Even after maintaining a certain living standard, you’ll need to work towards repaying the mortgage.

Credit Rating:

Your credit rating is certainly an important factor that determines your borrowing capacity. By proving your worth as a reliable borrower, you’ll be able to convince the lender for a much higher loan amount. However, you’ll also need to repay the loan amount within the specified time-frame. Your loan application may be rejected after you’ve defaulted on repaying your utility bills and credit card bills in the recent past. Before even visiting a lender, you must check out free copies of your credit report for free from each of the 3 credit reporting agencies. All of the red flags appearing in your credit reports need to be compared and the discrepancies need to be resolved in any.



Asset Evaluation:

In an attempt to identify your actual loan requirement, a lender can run a credit check on the assets owned by you. All of the vehicles that you own as well as your investment options might affect a lender’s decision. These factors hold considerable ground in determining your loan requirement.

Keeping these factors in mind, you’ll need to work on all areas of opportunity just to enhance your borrowing capacity. This way, you’ll have more options of comparing loan and fresh job offers that come your way.


Simple Ways to Improve Your Credit Score

Simple Ways to Improve Your Credit Score

Have you applied for car finance recently but did not get approved because of bad credit? There are numerous factors that can affect your application for loans or a new line of credit, and among these factors, your credit standing plays a crucial role.

While you may have met all the other requirements but still can’t figure out why your loan application gets declined, it may be time to take a close look at your credit score.

When you have a less than stellar credit, it may seem like you’ve dug yourself into a deep, dark hole that you couldn’t get out of. However, you shouldn’t feel disheartened because there are simple ways you can do to improve your credit rating.

While the road to recovery is not easy, the good news is, it’s not impossible. But it will take plenty of effort and discipline on your part. So, to help you get started, here are several things you can do right now to get your credit standing back in good shape.

Check your credit report.

Remember when you were in school? If your parents wanted to know how your grades were doing, they would ask to see your report card. Improving your credit rating is basically the same thing. You can start by getting a copy of your credit history.

Just check online and look for sites, like creditsimple.com.au or creditsavvy.com.au, which offer this kind of service. It’s completely free, fast, and easy.

Look for possible errors.

If you think there are some mistakes on your credit report, you should carefully examine them and dispute these errors when necessary. The good news is that most credit bureaus and credit providers have set up a standard process to handle disputes for errors found on credit reports.

Pay your bills on time.

Staying on top of your finances can be overwhelming at times. But it’s very important that you track all your bills and pay them on time. Missing payments can put a dent on your credit standing and lower your credit score over time.

Usually, when you forget to pay a bill, after 30 days, a credit bureau will be notified, and this may affect your credit rating. So, to avoid this, you can set up arrangements like an automatic payment system from your bank to make sure you never fail to pay your bills on time.

Reduce your credit card balance.

One of the effective ways you can boost your credit standing is to pay down your credit card balances. If possible, keep your balances low, even those small balances as they may become a nuisance over time, especially if you have more than one credit card. This way, you can avoid saturating your credit report so many balances.

Use credit to your advantage.

While it may seem counter-intuitive to have outstanding credit, when you consistently pay them and avoid defaulting, this will have a positive impact on your credit score. When you show that you are not falling behind on your payments, it will show that you are a responsible borrower and can be trusted because you can pay your debts.



These are just some of the simple ways to get your credit standing in better shape. When you have reached a point where your credit rating is at a good spot, your chances of getting approved for loans will be higher than before.

Have you found other ways to improve your credit rating? If so, we’d love to hear from you. Please share your tips by leaving a comment, so that others may benefit.

 


How to get a car loan if you have a bad credit?

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Driving a car is of great need for the day to day of people, especially for those who live in a city where transportation is not reliable or cannot allow them to be on time for their commitments. Unfortunately, buying a car is probably the most expensive purchase you can make, which is why many people are forced to apply for a car loan instead of saving enough money to pay up front.

To start opting for a loan, you must take into account that in the same way as any other investment or purchase of great importance, you should take your time to analyze the entire process from beginning to end.

Some of the simplest and most important steps:

1. Review and understand your credit report

This is the first thing you should do before looking for loans to buy a car with bad credit, access a free copy of your credit report, then take the time to review it and verify its accuracy. This type of documentation has the greatest impact on your capacity when requesting a loan to finance a car.

In case you do not know your own credit history and you do not know if the accusations that are formulated against you are totally true, you could end up with a higher interest rate. That is why it is important that you know this type of information or get it repaired.

If you can understand your credit report you can explain all past negative elements, in the same way, you can explain the arrears in payments.

2. Idealize a budget according to your current finances

After you have reviewed your credit history, start calculating the budget based on your current income. It is important that you consider two different perspectives, for example. The total amount you are willing to pay for a car and the amount of money you are willing to pay each month.

For example, both the amount of money you pay for a car that is financed and your interest rate contribute to the amount of your monthly payment.

3. Do an investigation of the automotive lenders:

There are lenders who work only on loans for people with low credit scores. These types of loans usually have a much higher interest rate, which is not convenient because they end up paying much more money in the period of the loan. Search and research car lenders online to make sure you have the average rates on your car loans so you can calculate your rates. You can find the best bad credit auto loan offers from MoneyLend to help your search.

4. Find a way to negotiate the purchase price

It is possible that having a bad credit cannot change your interest rate, that does not mean you cannot negotiate the established price of the car. The price of the car to finance has nothing to do with the loan.

Find a way for the seller not to know your credit history, you really do not need to know. Try using some negotiation tactics so you can convince him to reduce the price of the car.

5. Consider opting for a co-borrower

Requesting a co-borrower can help you increase your chances of obtaining approval for a loan, thereby improving your conditions. The co-borrower will provide a guarantee to the lender because he will be obligated to pay all the payments and, otherwise, he will be obliged to repay the entire loan.

6. Do not allow unnecessary updates

Sellers will always make offers for the best service, do not be fooled by these commercial tactics, in this way it will be much more difficult to pay off the debt as soon as possible. Try to keep your contract as previously established.

7. Review in detail and carefully the loan agreement

Make sure you read every detail before signing anything. No matter how good a reputation the lender has, there are always details that can change what was agreed upon. Verify that all the information in the agreement is accurate. That includes the price of the sale, the rates applied, the interest rate and even the make and model of the car.

Where do I have to go to buy a car with bad credit?

If the loan application was approved, you must download and print the loan package and then take it to the dealer to make the purchase. Loan documentation includes recommended auto dealers close to your location.
When you have already found the dealer and you have made the selection of the car corresponding to the terms of the loan approval and the price has been determined the dealer will work with your lender.



Pros and cons

Loans with bad credit are very helpful when you need to buy a car and you do not have the available budget. This method of purchase offers many benefits, but also has its disadvantages. If you are planning or are in the process of acquiring a car with financing, it is worth knowing the pros and cons of this process.

Pros:

• Possibilities of having payment plans of up to six years with 0% interest.
• It helps you organize your payments and responsibilities.
• Ease of payment.
• You can have the car with you in a short time of waiting.
• You can choose the lender with the rates that suit you.

Cons:

• Take years to pay the debt.
• Pay a little more for the value of the car.
• Have a very large debt.
• It is necessary and obligatory to have a down payment.


The Credit Crunch: Simple Solutions To Your Credit Woes

Credit, it can be so useful. Especially in an emergency, but it can also be such a hard thing to manage and keep in check. Not keeping it in check though, can result in some crunch situations that are going to cause you serious problems in life. So to help you deal with these, read on for some advice.

Pay some of what is owed

One serious crunch situation that is pretty common with credit is not being able to make every payment that you owe. This could be because you have had unexpected bills crop up, or that you had overstretched your finances, or that you have been laid off work. If the latter is the case check out forbes.com for some wider helpful advice.

If you do find yourself in this situation, the best recourse is to contact the credit provider as soon as possible. This is particularly important because if you don’t the payment will be marked as missed and this will negatively affect your credit score.

The aim of contacting them is to negotiate a manageable payment for that month. Something you can get some tips on at hbr.org. Ensuring that the credit provider stays happy, and you are not wiping out all of your resources. Of course, it will depend on the individual provider as to whether they will agree to this, but you will only find this out by contacting them. So get on that phone!

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Error on report

Another crunch issue that people with a credit account often find themselves in is that there is an error on their report. This is where the company has not recorded a payment being made, or the amount is wrong.

This can be very problematic because it ends up making you look like you are not holding up your end of the bargain, when in fact you are. Meaning your credit score will be negatively affected through no fault of your own. To help you resolve this, it’s worth contacting companies like repair.credit to see if they can recommend a provider that can help you get your credits score to where it should be. Something that is vital for any future purchases you want to make.

Debt consolidation

Lastly, many people that take out credit find themselves in a position where they just can’t make any of the payments they owe. This is more serious than missing a few payments as mentioned above because it will be recorded as continual default on the debt. Something that can have a massive impact on your credit rating and ability to get finance for essential life items like vehicles and homes.

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So, if you find yourself in this tight spot, then it may be useful to look into debt consolidation. This is where you hand your debt over to a company, then they pay it off. While you pay them one single amount. This is particularly useful if you have multiple accounts and cards that need settling. As well as, if your payments are too high to make and live comfortably on what remains.

So if you find yourself in your own personal credit crunch, don’t panic. Just review the options above and pick the one that is best suited for the situation that you find yourself in.

 


7 Common Credit Rating Myths Debunked

Having a good credit score is one of the most valuable things you can have. It can help you to secure financial assistance and save you thousands of pounds on the cost of credit in the process. On the other hand, if you have a bad credit rating, it can really limit your ability to borrow altogether. This is the simple truth regarding credit scores, but hidden in the middle is a wealth of speculation and untruths. There are countless myths that are bandied about, and below we reveal more about the hearsay that you definitely shouldn’t be listening to.

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You can hide outstanding debt by moving credit card balances around – A lot of people try to mask their debt by simply moving their balances around, so it looks like they are making regular payments. At the end of the day, the full total is going to appear on your credit score, so this really won’t make any difference. You can’t hide your debt, but you can pay it off. Here are some simple changes you can make to dig yourself out of debt.

People with more money have better credit scores – How much money you have does not impact your credit score. It is all about keeping up to date with payments. If someone rich misses payments on their account, their score will be negatively impacted too.

You should have as many credit cards as possible – There is a common assumption that the more credit cards you have, the better, as you can show you are good at paying back debts. This isn’t wise, as you are simply putting too much pressure on yourself by having too many financial commitments. There is no definitive number of accounts that will lead to the perfect credit score; you simply need to show that you can keep up with all payments and manage your credit well.

A poor credit score is stuck with you for life – It does not matter how bad your credit rating is, you can improve it. There are numerous ways to do so, including joining the electoral role, taking out a credit card for bad credit, and keeping your address information up to date. You should also check out USL4U guaranteed loans for bad credit – by making regular payments on time, your score will improve.

Your education will impact your credit score – This is simply not true. Education has no bearing on your credit rating, and it is not part of the report. Also, a creditor’s scoring system cannot use religion, national origin, marital status, gender or race under the Equal Credit Opportunity Act.

Old debts don’t matter – In fact, old credit agreements will stay on file for approximately six years, so they do matter. If you genuinely did not realise you had an old debt, you do have the option to request to put a ‘notice of correction’ on your file, i.e. you can explain the circumstances surrounding the mark.

There is a credit blacklist – Lastly, perhaps the biggest myth of them all! There is no credit backlist. Lenders use an array of information to make their decision, combining any details you supply on your application form with data from credit reference agencies.


Escaping The Trap Of Bad Credit

We hear a lot of talk about credit scores these days. Having a bad one can cause you some real problems, and it isn’t that difficult for your score to go down. It might not necessarily be your fault if your credit score is low. Perhaps you ended up in some financial trouble and struggled to make loan repayments. It doesn’t take that many missed payments to make your credit score plummet. The majority of borrowing options are based on your credit score so you will have trouble taking out a loan or a credit card, but that doesn’t mean that there’s nothing that you can do. There are alternative borrowing options, and ways to increase your credit score. If you are stuck in the trap of bad credit, here are a few ways that you can get out of it.
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Is My Credit Score Bad?

Most people aren’t aware of exactly what their credit score is. It isn’t something that appears on standard bank statements, so you’ll need to find it out for yourself. Some loan or credit card statements may have your credit score on them, but not all of them will. There are plenty of online services out there that can tell you your credit score for free. However, these free scores are not always the same as the score that a lender would base their decision on. They are usually fairly accurate, but if you want an exact score, then you might need to pay for one. Another common issue, particularly amongst young people, is not having a credit score at all. If you have never borrowed before, then your score will be zero. Some banks will be reluctant to lend to somebody that has no proven record of making loan repayments on time.

Can I Still Borrow?

Borrowing when you have a bad credit score is difficult, but it isn’t impossible. If you can, you should always try to increase your score, but you don’t always have the time. In certain circumstances, you might need to borrow some money in a hurry. A broken down car, unexpected home repairs, or some other emergency, won’t leave you with enough time to increase your score enough to get a traditional loan. Instead, you will need to look at alternative borrowing options. Some of you will be lucky enough to have family or friends that can lend you some money, but if not, then look into unsecured personal loans. You can still get good rates for an unsecured personal loan with bad credit. This is a good option if you need a bit of extra cash in a hurry, and paying it back on time will also increase your score.

How Do I Increase My Score?

There are companies advertising a credit repair service, but the truth is, you don’t need them. They won’t be able to do anything that you can’t do for yourself, so using them is just a waste of money. The first thing to do is to get a credit report and go over it thoroughly. It isn’t unheard of for companies to make mistakes on the report. There may be accounts that aren’t yours, or payments that have been mistakenly reported as being late. Any errors can be disputed, and if you can prove yourself, they will be wiped from the report, and your credit score will go up. The next step is to pay off any outstanding accounts that you may have. Once you have paid everything that you owe, your score will improve again. Finally, you should try borrowing small amounts and repay them immediately. Find a credit card that you are eligible for and make small purchases, for example, the weekly grocery shop, and then pay it off straight away. That way you can prove that you are trustworthy and bring your score up.

 


The Three Steps to Fixing Your Credit

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 that credit scores change all the time. The credit you have now is not the credit you’ll have next month or next year. This means that you can fix your situation.

Step One: Finding Your Starting Place

The first thing that you need to do is get copies of your credit reports. You are entitled to at least one free credit report every year from each of the three major credit bureaus: Equifax, Experian and TransUnion.

It’s important to understand that accessing your credit reports does not necessarily mean learning your credit score.

Once you have your credit reports, you’ll want to make sure they are absolutely accurate. This means going over every detail and making sure that it is correct. If you see something that is even a little bit off, you need to dispute that detail with the reporting bureau. In addition to raising your credit score, it is important to get a clear and accurate idea of how much work you are going to need to do.

building-creditStep Two: Fixing Bad Credit

Most of the time, the key to fixing bad credit is getting back on track with your bills. Don’t worry about the payments you’ve missed in the past. You can’t do anything about those now. What matters is that you create a positive and steady payment plan for your future. It is also important that you work very hard to reduce your debt to income ratio. Your debt to income ratio is a big factor in your overall credit score. It is what lenders look at when you apply for loans or financing.

The best way to reduce your debt to income ratio is to increase the amount of money you send in to your creditors each month. By now you already know that you need to pay more than the minimum amount due if you ever want to get out of debt. Even $5 more toward that balance is a good thing. A better way to do it though, is to take your minimum amount due, add however much you are charged in interest every month and then tack at least $10 (though 10% is better).

If you have a lot of bills or if you’re worried that you won’t be able to afford to make even your monthly payments each month, don’t panic. Many creditors are willing to work with clients when it comes to things like interest rates and minimum amounts due. They’d rather reduce your interest rate than lose you as a customer. If this process intimidates you (or if you don’t have time to call and haggle with all of your creditors), a credit repair service can reduce the stress of the process. These companies negotiate with creditors on your behalf and help you set up budgets and payment plans that you can afford to keep.

Step Three: Building Good Credit

Don’t wait until you are out of debt to work on building good credit for yourself. You need to work on both simultaneously. Yes, paying down your debt and creating a positive repayment history will accomplish part of this goal. The other part, though, is proving that you can handle credit responsibly. The easiest way to do this is to open a secured line of credit with your bank.

If you are willing to work hard, you can fix your credit. It won’t happen overnight. It might take a few years—but it will happen.


Should You Cancel Old Credit Cards Or Reapply For New Ones?

Most people have at least one credit card. Even if you’re not using the card, and you’re not interested in swapping the balance to another lender, it still might be worth cancelling the card and switching to another one.

With credit card fraud on the rise, it doesn’t make sense to have a really old card lingering around unchecked. Moreover, your ancient credit card most likely won’t be benefiting from the latest zero percent interest deals on spending and balance transfers. Even if you have no intention of getting into debt, you can use the card for purchases for 18 months and save the equivalent cash in an ISA, so you’re actually making money as you spend!

In addition, many credit card companies are so keen to temp you back to their services, that they’ll often treat you as a new customer after a few months have passed. That means you’ll be entitled to all the offers that have since elapsed on your older credit card.

Credit_CardWhen To Hold On To A Card

If you travel frequently, or find yourself in any situation where you might require an emergency stash of credit, an older, empty credit card can be really beneficial, especially if you don’t have any savings to fall back on.

Weigh Up The Options

If you’ve got an old card lying around, and you’re in good standing with the credit card company, there’s a chance that your borrowing limit could be significantly larger than any new card you might apply for. The fact that you also won’t need to go through a credit check means that it’s often less hassle to keep an old card running if all you’re going to use it for is emergency purchases.

Will My Credit Rating Be Damaged?

There’s really no way of telling: Some lenders will look at your empty £7,000 limit credit card and think that it’s great you’ve got so much potential to get into debt but have stayed sensible. Others will view the massive unused balance as a ticking time bomb that you could fill up in a single day. Every situation is different.

It’s definitely worth checking out your credit report to see if everything is in order before you make a decision to switch cards. Credit Cleaner allows you to check your credit score and amend any admin errors. They offer advice for repairing and improving bad credit ratings, all for a low monthly fee. Hunt down a Credit Cleaner review to see if the service is right for you. Click here for more information.

How Do I Cancel An Old Card?

It’s best to make a direct phone call and have the account shut down. You’ll still be able to access your account for a short time, so make sure you completely stop using the card or payments might still go through. This is because the card company needs a small buffer period to make sure everything is in order and the balance has been settled. It’s also worth noting that simply chopping up a card won’t suddenly close your account down.

Keeping an old credit card hanging around can be a great piece of mind for emergency situations, but it pays to shop around and find the right deal. You may be missing out on some great offers!

Wendy Lin is an author and mother. Although she travels many months out of the year, she always tries to take her family with her as she prioritises her family above business.


Credit Card Debt Weighing You Down?

The world revolves on credit. More and more individuals are dependent on these plastic cards for their daily survival. The problem with this is that you lose financial accountability and sound judgment over a period of time. Without credit cards in the picture, your expenditures will always be limited on one thing – how much cash you have on hand. When you are forced to work with the amount of cash you have with you, you’ll think twice and even thrice before making a major splurge. However, plastic cards allow you to bypass that. You can basically get whatever you want and pay for it later. The first part is relatively easy; it’s the second part that reins in all of the problems.

5451685974_aa00a963e41. Get rid of your credit card.

The first step to eliminating your credit card debt is by making sure that you don’t have any more of it any time soon. This would mean cutting up your credit cards. Don’t fall into the trap of using your credit card to cover the difference between how much you earn and how much you spend each month, even if you do pay the credit card bills once they come. This will only result in a cycle of paying and borrowing, and you’ll never free yourself from the bounds of credit card debt.

2. Get all of your bills and find out what you’re up against.

Ignoring the problem does not solve the problem. Underestimating the problem, because you do not know the actual extent and gravity, is just as bad. To know what you are up against, you should get all of your bills and find out how much you really owe. If you have bills which are missing, call up your credit card company and request for these bills although your overdue amount is usually found in your monthly bills. By know exactly how deep in debt you are, you can plan your payments accordingly and in a manner that allows you to settle your debt within the soonest time possible.

3. Organize your credit card debt according to their interest rates.

If you have more than one credit card with an outstanding balance, then you need to start prioritizing. There are two things which you have to take note of when paying off your debt – the principal debt or how much you originally owe, and the interest or how much you’re being charged for holding a debt. The higher the interest is, the longer it would take for you to shrink the principal especially if you are just paying the minimum. However, if you aggressively work towards eliminating that debt, the smaller principal will mean that that the interest, which is based on the former, will also shrink significantly.

4. Cancel a credit card once you have paid it off.

Debt, just like other mistakes, comes with an invaluable lesson and that is to never have one again. So it would be remiss if you using a credit card once you’ve already gone through the painstaking process of paying it off. On the other hand, cancel the credit card once you’ve already paid it off to keep you from getting tempted. All of these tips will teach you how to get out of credit card debt fast.

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Phil Farell is a finance writer who loves to give useful tips to overcome bad debts. He also shares his insights on investing, financial management and lease financing.


How Important Is Your Rental History

How important is rental history when your trying to get that new apartment you just viewed? Apartment owners and landlords use a variety of different metrics to determine whether or not your rental application will be approved.  Nowadays, your actual credit score may come into play too. But in the end, your history is extremely important and will be used in the evaluation.

Why is your rental history examined with a fine toothed comb? Good rental history is a strong indication of your ability to balance your finances. It also may be an indication of how responsible you are in regards to paying your other bills like your credit cards and utility payments. If you have a positive history of paying your bills on time, and no negative items are currently part of your credit profile, chances are you will earn the lease.

Your Landlords Can Check Your Credit…

In fact its really easy for landlords to check your credit history via the big the credit bureaus. With a few clicks of a button, your entire profile will be immediately available. This can be both a positive and negative aspect.

Its always a great idea to pull your own credit report and see if you have any negative items that have been reported to one of the 3 credit bureaus. They include Experian, TransUnion, and Equifax. You can actually check each one free of charge yearly.

Being a First Time Renter…

If you’re a first time renter you might ask how you can be approved for a lease when you’re applying for the first time. There is not much to worry about here. No credit is always better than bad credit. Also, many apartment communities around the nation accept first time renters. And you can also go about getting a co-signer.

The co-signer will usually be a parent or a close family member. Although they will not be a tenant in the community in question, they will be held liable if rent is not paid on time by you.

Pay Your Rent…

Keeping good rental history can go a long way. Making sure you have paid your rent for the entirety of a lease will assist you in renting your next place and even buying a new home. When you apply for your next apartment home, you will feel great knowing that you will have a strong chance to be approved.

If for some reason your complete rental history is not reflected on your credit report, you might want to consider contacting the former landlord on the property. They might be willing to share your rental history with any future communities in which you may apply.

Keep in mind that if you have failed to pay your rent on time, or have any broken leases on your credit report, that you may be fighting an uphill battle. It doesn’t mean that you won’t be accepted. You just have your work cut out for you.

Remember that your good credit will go a long way. Be sure that you do your best to pay all of your bills on time. And if for some reason you have any bad marks, attempt to reconcile them the best you can.

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By Henry H. Hernandez

Henry Hernandez is an entrepreneur and veteran from Texas. Henry works with Houston apartment locator http://www.houston1apartments.com/. Henry can be found on Google+.


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