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Category Archives: Credit Articles

Finding Ways to Fix Bad Credit

Maintaining a good credit rating is crucial to everyday living. In fact, having a solid credit score enables you to make big purchases such as your dream house with the best interest rate offered. However, many people overuse their credit, can’t keep up with the payments and end up having a bad credit score. If you find yourself in this situation, you need to find ways to fix it.
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Credit Scores and Charge Off Debts

It's that time again; the phone is ringing again about that credit card you can’t pay, and you are stressing out. So, what do you know about credit scores and charge off debts? Is it the end of the world if you have a charge off?
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Corporate Credit Card Laws

Corporate credit card laws have seen some change, thanks to Obama's CARD act in 2009. These changes are mostly related to fees that credit card companies can charge, and how much notice must be given in order to make any changes to a credit card holder's account. For many, this new act, which comes into effect this year, is offering consumers a great opportunity to clean up their credit with the help of services like Credit Elves.
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Repair Credit History Report

The best way to repair your credit history report is to get the report in the first place. Contact the big three reporting agencies, and get your free credit report once a year. Over once a year, and you’ll be charged a nominal fee, but after you do a little work on your credit, it will be worth reviewing, if only for a reward.
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Can Your Employer Get a Copy of Your Credit Report?

An employer can request a copy of your credit report, but cannot receive one unless you sign permission for them to do so. If you choose not to give your permission, however, this might be basis for your employer to terminate you. If you do, having bad credit can affect your potential new job, or [...]
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Dispute Item On Credit Report

Everyone should know what their credit score is, because it’s the number used by lenders to determine whether or not you are a good risk for a loan. Your credit score is based on information contained in your credit report, information including all your addresses, any names you’ve had, how much total debt you’re carrying, if you make your payments on time, and if you’ve ever had accounts sent to a collection agency or declared bankruptcy. A bad credit score will prevent you from getting any major loan, for anything from your dream home to that car you’ve always wanted. That’s assuming, of course, that all the information is correct. If not, you may need to dispute an item on your credit report by using a service such as the dispute letters available on CreditElves.com
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How to Build Good Credit

In an ideal world, building good credit, or repairing bad credit, is a simple two step process: borrow money; pay it back. Of course, knowing how to build good credit in today’s real economy is a little more complicated, but the basic steps are the same. A good credit score is a valuable asset in the modern world. With good credit, a person can get better deals on large purchases, can get easy approval for leasing apartments, and will have an easier time finding employment.
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Bad Credit and Car Loans

If you've got bad credit you might have trouble getting financing, and that can include everything from credit cards to mortgages to car loans. You don't have to do without a car, though, even if your credit isn't perfect. Instead, you can find some bad credit car loans that might not give you the best interest rates but will help you get a car without paying prices that are way too high to be realistic.
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How to Build Credit History

Building and maintaining solid credit history is quite simply one the most important personal investments you can make in your life. Getting started is easy, and you don’t necessarily have to depend on anyone else to begin. It doesn’t matter what age you are, where you live or what your employment history is, having a good credit history can help you buy a home, purchase a new car or simply provide you with the most competitive of insurance rates.
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Does Credit Affect Employment?

Many employers include credit reports in their background checks of prospective employees. In some situations, an employer will use a low credit score as a reason for not offering a job to an otherwise qualified applicant. As the Great Recession continues, large numbers of people who have always paid their bills on time and managed their debts responsibly are finding themselves unable to keep up with all of their monthly payments for the first time in their lives. Illness, work-related injuries, and unemployment can all affect a family's financial stability. Getting behind on paying bills or defaulting on debts can have an impact on future employability.
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