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Credit Articles
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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…
There are many reasons why a lender might refuse to give you credit. Here’s an overview:
1. Damaged Credit History
If you default on a loan or have a County Court Judgement (CCJ), it'll probably remain on your credit file for six years from the date you received it. If…
There are new fees associated with your debit card that are on the way. Actually, these bank fees are not new. They are just going to be applied in a different manner under a different name. Imagine that. A bank increasing the fees on the accounts you have set up…
Debt collectors have always been linked to harassment, threats and use of profane language to extract debt payments, especially old debts, despite laws enforced to protect consumer rights. Out of statutes debts will be sold and resold and often, those who purchased the accounts will not hesitate to step on…
Like most people, I have a few credit cards and I use them regularly. Some people who have credit cards think of them as a curse. It seems that when the bill arrives they have no idea how the bill could be so much!
Credit cards can be a curse…
It might be time that you plan to finally get the dream house that has been in your mind for so long. But of course, before you start to look around for that new house, you would need to get a home loan to finance the whole operation. People generally…
What is your credit score saying about you? Is is reflective of the character that you really are? Or does it paint a negative picture of your past behaviors or patterns. Does your credit show an image of the person that you don't want shown to the public? If so,…
Almost every American has found that sometime in their life’s they need some extra buying power. In most cases the person or persons looking for extra cash has little or no cash in reserve. This leads you to apply for new credit from an outside source such as a Bank,…
Trans union credit reporting agency was founded in 1968. In the year 2009, Trans union credit reporting agency could boast of maintaining credit histories of about 500 million consumers in the world over. This information is in line with what's on their web site. No doubt, credit histories can help…
Credit debt collectors are known for their abusive and in some cases, downright illegal collection practices. In this article, we will discuss some of the other illegal debt collection practices you should watch out for.
Unpermitted Calls To Debtors’ Offices
Sometimes, when creditors or debt collectors are running out of…
Evidence of deceptive, abusive and gross misrepresentation by debt collectors companies have been found in abundance with years of unsavory behaviors on record. As such, Fair Debt Collection Practices Act or FDCPA was passed by the Congress in 1977 to minimize the escalating cases of abusive and unfair debt collection…
Buy-and-hold real estate investors have traditionally relied on personal credit, and, recently, paying cash for income properties. These kinds of credit, for several intents and purposes, have served many investors well. However, they will have also left many approaching short on the goals and full potential. Even so, you can…
Many consumers are becoming more aware that they need to take a proactive approach when understanding their credit and searching for ways to improve credit rating. By becoming more involved and taking the appropriate actions, they can effectively raise their credit scores to make themselves more attractive to potential creditors. The immediate…
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…
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…
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…
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…
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,…
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…
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.…
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.…
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…
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…
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…
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!…
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