Could You Have Bad Personal Credit Without Knowing It?

Having bad credit is not a good thing in a world that relies so much on credit scores. But could you have bad personal credit without even knowing it? This is a growing concern as many institutions that use credit scores as judgement criteria are making those criteria more rigid. A good credit score is more important than ever, and if you have a poor credit score then you could be facing some problems. [Read more]

How Your Business Credit Could Affect Your Personal Credit And How To Protect Yourself

You know to keep your finances separate. Business expenses should be kept on business accounts and personal expenses should be kept on personal accounts. You know better than to co-mingle your finances and doing that protects you from having your business credit affect your personal credit. [Read more]

Credit Reporting Rules Are Changing

The word “credit” is being tossed around constantly these days, and it has everything to do with the recent credit crunch and new legislation regarding credit cards. The Credit CARD Act of 2009 has a lot of provisions regarding what credit card companies are going to be allowed to do in the future, but there is also a sneaky little addendum regarding credit reports. [Read more]

Good Credit Not So Good?

In a shocking turn of events, credit card companies have recently concocted a new scheme to make more money. Unlike in the past, when credit card companies could rely on a small percentage of their customers to pay a lot of interest for their profit, there are now too many customers who cannot pay anymore. The credit card companies are suddenly owed way too much, and they have lost billions as a result of the economy. [Read more]

Tips To Help Your Credit Score

Everyone knows how important it is to have a good credit score. The higher the better is what you always hear, but what can you do to help keep your credit score up? You may know the basic strategies, but more goes into your credit score than you might think. [Read more]

What A Good Credit Rating Means And What You Can Do To Get It

A good credit rating is something that everyone knows they should have, but not everyone has it. The more disturbing fact is that many people have no idea what their credit rating is and do not know much more than that about what they can do to improve it. If you begin with an understanding of all the things that a good credit rating can do for you then you will be more receptive to all the ways that you can work toward a good, or better, credit rating. [Read more]

How Your FICO Credit Score Is Calculated

Everyone needs to keep an eye on their credit. A few late payments or other financial mismanagements could change you from someone with good credit to someone with poor credit rather quickly, but do you even know how your credit score is calculated? Do you know what factors play a role? More importantly, do you know how much of a role each one plays? [Read more]

What Credit Is And What It Means

Your credit is your financial lifeline in this world. It tells the tale of how you have managed your money in the past, and financial institutions use it to foretell how you will handle your money in the future. [Read more]

Actions That Wreck Your Credit Score

Sometimes it is easier to know what not to do than to know what you should do. Often you know what you should do to keep your credit score high or to improve it, but do you know which actions are sure to ruin your credit score fast? [Read more]

Improving Your Credit Score Is More Important Than Before

The economy was doing pretty well for the most part in the past several years. The booming 90s led into the 21st century, and although the acts of September 11th threatened the stability of the market, the country has succeeded in getting past that tragedy and finding financial success with credit and the real estate market. [Read more]

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