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Category Archives: Credit Scores

Improve Credit Score

Credit scores are certainly a hot button issue in this down economy. How can you find out what your credit score is? What are the best ways to improve your credit score? How long will it take?
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Increase Credit Score

Increasing your credit score is a multi step process that can take a long time. However, getting the ball rolling is sometimes the hardest one. How do you know where to begin?
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Understanding Credit Scores

Receiving a credit card, mortgage or loan is a privilege, not a right. When a lender considers giving you a loan, they need to know how likely it is that you will pay the loan back. To assess their risk, they will look at your credit scores. Understanding your credit scores is the first step in making your way towards good credit.
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Contacting the Credit Bureaus

Contacting the credit bureaus is a necessary step if you want to acquire your credit score or report a mistake on your credit report. Being aware of the three credit bureaus and keeping them within reach is the first step to improving your overall credit scores.
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Quickly Improve Credit Score

The best ways to quickly improve your credit score often take time and demonstrated effort, however there is one technique that may help you, especially if there are any mistakes on your credit report. These few simple steps have helped many people improve their credit scores, sometimes in as little time as a month. Try them yourself and see!
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Increase Credit Score Quickly

There are several ways to go about increasing your credit score, but only one way to really do it quickly. That is to resolve any mistakes, no matter how small, that may be on your credit report.
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Improve my Credit Score

In these trying financial times, it is often asked: “How do I improve my credit score?” The answer is simple AND complicated. Your credit score is a crucial number, used by finance companies and banks to determine (along with other information) whether or not you are a good credit risk. A poor credit score is an indicator that you might not pay back your loan on time or at all, and they are not necessarily in the business of giving money away for nothing.
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Credit Score Scale

Knowing exactly where you stand regarding your credit score is more important than ever. The credit score scale is a three digit number devised to provide your credit lenders with a statistical view of your credit worthiness. The better the score, the better your chances are of receiving low-interest credit rates. If you’ve done any [...]
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How Do I Find Out My Credit Score?

Getting your credit score is different from getting your credit reports. When you get your credit reports, you get information such as payment histories, current and past addresses, and information regarding liens, foreclosures and bankruptcies – all of which get reported to the three big credit reporting agencies: TransUnion, Equifax and Experian. When a creditor looks at your credit score, however, that’s based on a calculation using your credit report information, information about arrests and convictions, collections histories, total amounts you owe on various cards and loans (and cumulatively) and other information that is all a portrait of your viability as a potential credit or employment risk.
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Is Bankruptcy Worse Than Foreclosure for Your Credit Score?

It is a tough question to have to ask, but it is something that is coming up more and more these days: Is bankruptcy worse than foreclosure for your credit score? In today’s terrifying financial environment, a lot of people have to choose gas money and groceries over making their mortgage payments. And it’s not just mortgages; millions of Americans are in debt with credit card balances that they cannot hope to ever repay within their lifetimes.
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