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Tagged: Credit

Repair Your Credit, Build Your Survival Foundation

Employment Careers

Repair Your Credit, Build Your Survival Foundation

Repair Your Credit, Build Your Survival Foundation Why is it important to have good credit? With today’s society becoming more and more business oriented, establishing and maintaining good credit is vital if you plan to do any of the following: 1. Apply for employment 2. Rent an apartment 3. Open a bank account 4. Setup an account with public service or the telephone company It used to be that establishing good credit was important only if you planned to buy a home or car, but not anymore. The simplest task, such as applying for employment could very much mean that...

A Few Facts About Your Credit Score.

Employment Careers

A Few Facts About Your Credit Score.

A Few Facts About Your Credit Score. Statistics from your credit report define what your credit score is. Your credit score is not stored with your credit report, but is generated at the time there is a request to your credit report. Why are credit scores used? Anytime you apply for a loan the credit score effectively tells the lender based on a score rating, your ability to repay the loan based on your prior payment history, and your current credit status. Everyone from banks, auto dealers and mortgage companies utilize this method of credit rating to determine the risk....

Envision a Better Life by Increasing Your Credit Score

Employment Careers

Envision a Better Life by Increasing Your Credit Score

Envision a Better Life by Increasing Your Credit Score Have you been deprived of getting a loan, mortgage or credit card? Do you know how you can increase your credit score? Your credit score can make or break your way of living or lifestyle in a lot of ways. Maintaining or keeping a good credit score, especially in times of economic hardships, is really quite extraordinary. Most lenders looks into the credit score of those applying for loans, mortgage, or for credit cards. As it is part of the business, they want to know and double check the capability of...

Your Credit and Your Rights

Employment Careers

Your Credit and Your Rights

Your Credit and Your Rights Sometimes, things happen that can cause credit problems: a temporary loss of income, an illness, even a computer error. Solving credit problems may take time and patience, but it doesn’t have to be an ordeal. The Federal Trade Commission (FTC) enforces the credit laws that protect your right to get, use and maintain credit. These laws do not guarantee that everyone will receive credit. Instead, the credit laws protect your rights by requiring businesses to give all consumers a fair and equal opportunity to get credit and to resolve disputes over credit errors. This article...

Myths And Truth About Credit Score.

Employment Careers

Myths And Truth About Credit Score.

Myths And Truth About Credit Score. Credit score is the key factor determining approval of almost any type of credit. It is based on the information contained in your credit report files. The widely used FICO score was developed by Fair Isaac Corporation, and it is a formula which assesses your potential credit risk. The information used to calculate credit score can be broken down into five major parts. Your payment history with banks and other lenders will account for 35% of the score, the amount of money you owe for 30%, and the length of your credit history for...

Credit Report Information – Helpful Advice You Need To Manage Your Credit Profile.

Employment Careers

Credit Report Information – Helpful Advice You Need To Manage Your Credit Profile.

Credit Report Information – Helpful Advice You Need To Manage Your Credit Profile. Your credit report information can mean the difference between a yes and a no your next large purchase or on your next charge card. We pretty much know what details are listed on the tell-all expose of our balance history. The basic information includes name, address, telephone number,social security number and your date of birth. Basic facts aside, there is more to your credit report information to consider. Many may not know that assumed name are also listed on the sheet. Your former address or addresses are...

Credit Card Reports Questions And Answers

Employment Careers

Credit Card Reports Questions And Answers

Credit Card Reports Questions And Answers The Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of the nation’s consumer reporting companies. The Federal Trade Commission (FTC) enforces the FCRA with respect to consumer reporting companies. Recent amendments to the FCRA expand consumer rights and place additional requirements on consumer reporting companies. Businesses that provide information about consumers to consumer reporting companies and businesses that use credit reports also have new responsibilities under the law. Here are some questions consumers have asked the FTC about consumer reports and consumer reporting companies, and the...