Top

How To Check Your Real FICO Score For Free?

The law allows you to get a free copy of your credit report from each of the 3 major credit reporting bureaus once every year. You can go to the Annual Credit Report website to request your credit reports at no charge once each year.

This credit report lists your credit accounts, history, and other factors. It does not tell you your credit score though, and this is something that you really need to know.

In the past you Continue article...

Ways to Get Credit with a Poor Credit Score

No one starts out thinking they will ever face credit ruin, but when debt becomes difficult to manage and too many late and missed payments are reported to the credit bureaus, credit scores take a dive. For some people a poor credit score is a result of irresponsible money management while for others it’s the result of an unexpected curve, as in a job loss or a medical emergency that wreaks havoc on their finances. The most challenging scenario for Continue article...

The Importance of Credit Education for Women

Just think, less than sixty years ago, a woman would have been hard pressed to get a credit card in her own name. While it’s been rather slow in coming, we’ve come a long way since then. In the 1960s, Americans addressed discrepancies between the sexes and enacted laws that would help level the playing field for women in areas of employment, housing and finance. Today thanks to many of these anti-discrimination laws, more women are in positions of authority Continue article...

Credit Score 101

A recent survey conducted by CouponCabin.com uncovered that 47% of Americans don’t know their credit scores. That startling percentage suggests that nearly half of Americans not only have no clue what their own credit scores are, but that they are also unaware of what exactly affects their scores and the negative implications of poor credit scores.

It’s important to understand credit scores and how bad ones could cause you problems in future when it comes time to apply for a Continue article...

Building Credit for Your Small Business

The importance of establishing a healthy credit history is just as important for businesses as it is for private citizens. Neglecting to do so, most small businesses will fail because opportunities for growth or to improve the business are typically dependent on being approved for working capital loans that can be used to purchase equipment and hire more employees to take their business to the next level. A business’ credit history will demonstrate their ability to responsibly repay their loans Continue article...

The Importance of a Credit Report Check-up

There are many things in life that require close scrutiny or a comprehensive investigation – otherwise known as a checkup – to be sure all is in proper order. Visit a physician for a checkup to verify the condition of your health. Shop at a used car lot, kick the tires and request a CarFax® report to checkup on the history of a car before signing on the dotted line. But there’s one checkup that many consumers fail to perform Continue article...

5 Worst Pieces of Advice for Raising Your Credit Score

Today, many lenders and other financial institutions have been tightening up their availability to credit and only offering loaned funds to those who have higher credit scores. While this is due in large part to avoiding future unpaid loans, it has raised the awareness of individuals to more frequently monitor their credit scores and to take the necessary actions to get and keep these scores at higher levels.

For those who are currently striving to raise their credit score, it is Continue article...

What The Singing Free Credit Report TV Commercials Don’t Tell You

The other night while watching TV with my daughter she started to sing along with the FreeCreditReport.com song. Pretty catchy, I thought. Smart marketing, too. Unlike many ads which are creative but leave you with no way to remember which company or product they are promoting (just watch TV for 30 minutes and count how many ads actually connect directly with the product), this one uses the name right in the song. So you’ll always remember the website while you Continue article...

How The US Credit Downgrade Is Affecting Spending

Every person, business and entity has a credit rating. These ratings are a huge part of the economics of lending, borrowing and interest rates. When the United States saw a reduction in their current credit rating, it created ripples throughout the US all the way down the average household and the average consumer.

Whether you plan to tuck money away in savings accounts, IRAs or even fixed rate bonds you may be having second thoughts and for good reason. The way Continue article...

Do Credit Checks Really Hurt Your Credit?

It seems there are fewer secretive corners of your financial status than your credit. It’s meticulously hidden, questionably maintained, and scrupulously issued. The credit check is your only real insight to what is going on in the woodwork down below. Typically double checked by a lender or employer do these checks hurt your credit score? And if they do, why?

Credit scores are stored and calculated by a few different competing entities, which can cause some discrepancy. The main system for Continue article...

Next Page »

Bottom