Posts Tagged ‘credit report’
3 Solid Tips To Successfully Build Your Credit History
Posted by: admin in Free Credit Reports on April 4th, 2009
Building your credit history is not as hard as you may think. Learning how to continuously take the necessary steps required to give your credit score a lift as often as you can is one of the most important things that you can do.
Besides the lenders you have obtained your automobile loan from and your mortgage loan, there are numerous others who hold an interest in the type of credit history that you have. This can include your employers, various utility companies that you use, and even your landlords. Because of this fact it is vital that you consistently stay on top of the steps of building a strong and solid credit history.
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Benefits of Checking your Free Credit Score & Report
Posted by: admin in Credit Quick Tips on March 24th, 2009
If you’ve been hearing about free credit report and free credit score offers, you’re probably wondering what the big deal is. Unless you don’t have a problem with paying high interest rates and fees to lenders, you should consider getting some background information about your credit. Consider this, the range of your credit score can affect how much you will pay for your monthly mortgage payment, for example:
If you have a good credit score:
Mortgage Loan Amount: $250,000
Interest Rate: 6.75%
30 Yr Fixed Rate Payment: $1,621
Total After Finance Charges: $333,734
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Top 10 Tips to Improve Your Credit Score
Posted by: admin in Free Credit Reports on March 9th, 2009
Are you suffering through this economic downturn with bad credit? Well, like you, thousands of Americans are facing the same troubles. However, by doing ten easy things, you can improve your credit score and begin rebuilding your life. Fixing your credit is going to be a long process, but once you’ve achieved your goal, you will be completely relieved that you took the plunge and came out on top.
1.) Don’t Bounce Checks
While bounced checks don’t appear directly on your credit report, every bank and potential lender has access to that information, and it could keep you from getting a home or auto loan in a snap.
2.) Pay Your Bills On Time
Although this may seem normal to some people, others have trouble staying on top of paying their bills, and their credit suffers because of it.
3.) Contact Local Lenders
If you go to a lender in the neighborhood versus a national chain, you are more likely to get a credit extension because they take the time to understand your unique situation versus putting you through a system that will automatically approve or deny you.
4.) Start Small
If you have had some credit discrepancies in the past, there is a reason they are there. Don’t get in over your head with charges you think you can pay off, because of the reality of the situation is, you can’t.
5.) Check Your Credit Report
At least once a year to make sure the information is accurate and you are identity theft free.
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