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Credit Articles
(92)
In most cases, the details of the credit score rating scale used by the most credit bureaus are closely guarded trade secrets. The secrets are shrouded within the guidelines of the companies that have built the scoring credit score rating scale.
Let me however say that, the best known and…
In the past years, it may be difficult to take out a loan from a bank. But now, it is easy to get cash help from the money lenders. If you are faced with personal financial situation, it is important to find a good lender. The benefits of getting easy…
Payday loans, also known as payday advances are small, short term loans secured against a customer’s next paycheck. Payday advance loans rely on the consumer having previous payroll and employment records. Payday loans in the UK are a rapidly growing industry with four times as many people using such loans…
Many consumers fail to realize what causes a change to happen on their credit report. This is paramount to having good credit. Your credit score will determine what type of borrower you are. It also indicates whether or not you should qualify for a loan, obtain mortgage or get hired…
Having a credit history,good or bad, will allow you to move through the complex financial world we live in. But what if you don't have a credit history at all? For the most part, having no credit history is worse than having a poor credit history. But the question is…
Although debt collectors are known for their aggressive and often, illegal collection practices, consumers now have the upper hand with the Fair Debt Collection Practices Act or FDCPA enacted by the congress. Unfortunately, many debtors remain clueless when it comes to their rights as well as the concept of time-barred…
The most important part of shedding the persona of a student and becoming an adult is being financially independent. But because of some strict changes in bank policies, becoming financially independent is not that easy. The most important element or hurdle standing in your way is credit rating. A good…
by Dr. Jeffrey Lant.
Author's program note. It is 5:27 a.m. here in Cambridge, where the invention of the future via research is our product, our pride, our unmitigated purpose... a place of assiduous effort, often lonely, frequently inconclusive, a place where the glory lies not just in achieving a…
Did you know that 1 in 4 credit reports contains errors or omissions? And if it goes undetected can hurt you financially. Think about this for a moment. If the studies are correct and statistics say that they are then that means 1 in 4 people have a bankruptcy that…
Nowadays, credit scores or FICO scores are very important. One needs to have a good credit score in order to buy a house, car and even land a good job. There is no such thing as magical way to boost your credit score but with focus, self-discipline and goal setting,…
Your credit score is very important. With a free good credit score, no credit card, you can take out a loan to buy expensive items such as a house. On the other hand, bad free credit score, no credit card, can affect your ability to be hired or considered for…
With the looming economy, inflation and hundreds of people dealing with various financial problems, it’s not surprising that many are also facing credit card lawsuit for unpaid debt. The good news is, there is a way to avoid such problems, like meeting up with your creditor and striking a deal.…
Will the Sensex go up or go down? It is a question that had been plaguing traders and stock brokers all through December last year. Forecasts for the New Year were made neutrally where trade pundits predicted a correction in the prices of equity of companies listed on the Sensex.…
There are many different options you can use when you want to lease an apartment, but you cannot find so many options on how to break a lease. This happens because there are many different contracts you can sign for various services or benefits you are interested in, but you…
Most people have heard of Equifax, one of the largest credit bureaus in the world along with Experian and TransUnion. But few have heard the backstory of how the company got started and how they grew to become the juggernaut they are today. I'll discuss the history of Equifax, a…
Negotiating with your creditor will not only give you one less thing to worry about, it will also help erase bad marks from your credit report. Settling the debt through negotiations is best for debtors who amassed huge fees and interest on a small debt. Almost all unsecured debt types…
I firmly believe the credit card firms should be held accountable to some degree for consumers
Now, in theory, these are fantastic, IF you are disciplined enough to use it ONLY for that duration. Nowadays we are seeing up to 40 months interest free options, that's more than 3 years!…
It can take three to 12 months to restore your bad credit. However the time you spend restoring your credit it is well worth it and the benefits you reap are priceless. Since the applying for loans have become everyday more difficult to obtain not to mention credit cards.
If…
In the present economic climate, any business director or owner can attest to the challenges that arise due to late, missing payments or con companies. Business proprietors are no doubt know the irritation that crops up when chasing after payments and trying to maintain a steady cash flow in and…
In the wake of the credit crunch and ongoing recession, many small and medium sized businesses that feature higher ticket goods and services and need retail finance have found it increasingly difficult to get their customers financed to buy their goods.
Many of the larger banks that feature this product…
Many debtors work with debt settlement companies, being required to pay the money via escrow and once the fund reaches a certain amount, the company will try to settle the accounts for them. Unfortunately, most of the payments debtors make only covers the extra service charge and other fees that…
The days of cash transactions are fast becoming a thing of the past. You no longer have to carry hundreds and thousands of dollars to shop, all you need is a small piece of plastic with a magnetic strip. Credit cards have made life a lot easier for both consumers…
Like many others, you might be wondering why Corporate Cash Credit places so much emphasis on helping clients achieve an 80 Paydex score. Well, unless you are business owners you probably don’t know why an 80 Paydex is so important. Corporate credit is different than personal credit, but businesses must…
#1. Get Organized
Credit can be a simple process. We as a society have made some stupid choices when it comes to credit. Then after having made those choices, then we want to stick our head in the sand and act as thought nothing has happen. When nothing could be…
While many people have been trying to uncover the secrets to getting excellent credit score, others are not interested in checking their credit worried that they will discover they have the lowest credit scores. But what is the lowest credit score exactly and how can you build it up to…
Debtors are expected to repay the debt they incurred within the given terms of the contract. Unfortunately, a number of debtors got debts so high, they are unable of repay them at all. Creditors have the right to collect the debt, with a few limits, of course. The Fair Debt…
The amount of things one can do with a credit card or a debit card on a daily basis is incredible. The reason being is that mobile credit card machines have modified these simple objects into something that one can almost use anywhere and at no expense. The device ensures…
You need to borrow money for that urgency. So, the borrowed funds are required to be up to you at a certain time. Rather than making personal visits to a lending institution, it would be good whenever the application for the loan is created online. Payday loans online is carved…
Consumers who seek ways to improve credit scores may be offered a vast amount of products and services as they search online. These services may allow them to obtain their credit report, their credit scores, assist them in finding ways to improve credit scores and also help them keep regular…
Working out a settlement deal with a creditor or a debt collection might sound intimidating but it’s actually easy when you know what to expect. Apart from getting a reasonable amount to repay the debt, you can also minimize the damage the debt will cause to your credit report. The…
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