Credit Information

Credit Information

The Easy Way To Gain Access To Your Free Online Credit Report


When you apply for credit, those lending you the money want to know if you are going to pay them back. One way they decide if you are a good risk is to see how you've dealt with other people's money.

Good Credit is King, When Qualifying for Mortgage Programs


If you want to purchase a new home or refinance your current mortgage, be sure to check out the wide array of loan programs available. If you have less than excellent or even poor credit, you can still qualify for a loan.

14 Common Credit Mistakes


Establishing credit and wisely managing your credit becomes easier when you know how. You'll feel empowered by taking knowledgeable steps towards good credit, and you'll be on your way to purchasing real estate and greater financial freedom.

10 Step Credit Repair Guide


The process of clearing credit can be laborious and frustrating, but your efforts will be paid for in better financing. Your rights are protected by laws, but you need to take reasonable actions toward your goal of clearing credit discrepancies.

New Credit Advice: Dont Pay off Those Credit Cards!


Credit needed for real estate mortgage financing differs from credit needed for consumer loans. If you need help getting a home mortgage, these credit tips will help you.

How to Get Credit Reporting Agencies to Help You


The process of clearing credit can be laborious and frustrating. Understanding your rights empowers you and saves you time and effort.

Credit Repair Companies and Credit Counseling


Let's be crystal clear, right up front. Paying someone to "fix" your credit is a waste of your time and money, since the negative issues that are temporarily removed from your file will only reappear again in a couple of months.

Credit Help for Real Estate Financing: Credit Scores


When you buy real estate, lenders run all of the "big three" credit bureau reports. Each credit reporting agency lists your credit history as supplied to them by the individual lenders and includes governmental records.

Credit Help for Real Estate Financing: Five Categories of Your Credit Score


1. Payment History -- 35%The number of accounts paid as agreed and a good payment history give you a higher score.

Dont Fall for Credit Repair Scams


We've all seen the ads on television or in magazines, shouting, "Erase bad debt!" or "Remove negative entries from your credit report!" If you're a person suffering from a less-than-stellar credit rating, those headlines may seem like the answer to a prayer.The only problems is, those programs don't work, and to add insult to injury, you'll find yourself paying hefty fees to those companies, only to end up right where you started, or worse.

Special Credit Information for Married Couples


If you are married, establish separate credit accounts.Try to finance real estate in just one partner's name to increase your investment financing potential.

Give Yourself Credit


The Beginning of the Credit Card EraIn 1951, Diners Club issued the first credit card to 200 customers who could use it at 27 restaurants in New York City. From that modest beginning, credit cards have become an indispensable part of modern life.

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.

Get Your Credit Score To Soar In The Twinkling of An Eye


Ever wonder how a creditor decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you'd be a good risk for credit cards and auto loans. More recently, credit scoring has been used to help creditors evaluate your ability to repay home mortgage loans.

Some Truth About Credit


Credit is currently and has been historically an integral component of our economy. Credit contribute a person's net worth, and financial power.

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