Is Your Credit Score Being Held Against You?
Credit Scores That Hurt
Is your credit score being held against you?
More and more the staples of life depend on your credit score. Your mortgage, insurance premiums,employment opportunities and even your landlord may be using your credit score to determine yourfinancial future.
In some cases even the utility companies are basing the size of your deposit on your credit score.Landlords are determining your reliability as a tenant. Insurance companies are setting the size ofyour premiums based on your credit score. Many more employers are also using your score todetermine your reliability.
According to a 2004 survey by the U.S. Public Interest Research Group, 25% of credit reportswhich list your credit and borrowing activities, had errors serious enough to to cause a consumerto be turned down for a loan or job.
To counteract the erronius information on your credit score you should review your FICO scores at least once a year, or several months before applying for a loan. Check for negative info, errorsor any suspicious activity that may suggest identity theft. The best place to check is myfico.com.The three major credit bureaus will also sell you your credit reports, but they're not as reliablebecause none of them provide your FICO scores with your credit report.
The best strategy to stay on top of your credit information is to pay the extra money to get yourFICO scores. Also apply for your free credit report from one of the three credit bureaus every few months. Moniter any new activity.
Cornelius P Crumpacker
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How to Improve Your Credit Rating
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How To Start A Second SEPERATE Credit File!
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Credit Report Hassles
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10 Dirty Tricks Credit Card Companies Play
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Fight Credit Card Fraud with Common Sense
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What You Should Know About Credit Counseling
Credit counseling is a free service that many people with money problems have turned to in the face of financial ruin. Credit counseling companies negotiate with your creditors to reach financial solutions that benefit both you and your creditors.
Like It Or Not, You Have A Score To Settle!
Like It Or Not, You Have A Score To Settle! (Part 1 of 2 on Credit Scoring)Just when most people finish with school and can stop worrying about test scores, there's a new kind of scoring that enters the picture. It's called credit scoring.
Choosing a Credit Counseling Company
If you have considered credit counseling as an option to your financial problems, then you are probably wondering how to choose from one of the many credit counseling companies that are popping up left and right these days. There really is not an easy answer to this dilemma but there are some things that you can look for in a credit counseling company that might make the decision a little easier.
Beware of Falling Minimum Payments
If you opened a credit card statement recently and were pleasantly surprised to find that your minimum payment due was lowered, don't be so quick to "jump for joy". What may appear as a small boost to your monthly budget is actually the rock that can weigh you down in debt for a lifetime.
Ways to Look Good without Selling Your Soul to the Credit Card Sharks
1. Buy clothes at thrift stores.
How Credit Scoring Works
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Identity Theft - Guard Your Childrens Social Security Numbers
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Credit Counseling: Could it Work for Me?
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Credit Card Dirty Tricks
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Warning: Free Credit Report Imposter Websites Springing Up on the Web
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Different Types of Credit Cards and Features - Part 1
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