Archive for August, 2011

CONSUMER ED: Take steps to boost your credit score
News from Savannah Morning News:

Q: My mortgage company is not reporting my payments to the credit bureaus. I always pay on time, and I feel this information would boost my credit score. Are mortgage companies legally required to report this information to the credit bureaus?

A: Although mortgage companies usually report mortgage loans and ongoing payments to one of the major credit bureaus, they are not legally required to do so.

It is possible that your mortgage payment information is not being reported because of a clerical error. If you have not already done so, contact your mortgage lender, explain the situation and request that it furnish your payment information to a credit reporting agency. If your lender refuses to do so, there are some other things you can do to improve your credit score:

• Review the information on your credit report to make sure there are no errors or collection items that you are unaware of. You can access your credit report for fr…………… continues on Savannah Morning News
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News from American Cowboy:


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Copyright ©2010 Cruz Bay Publishing, Inc. an Active Interest Media company. All rights reserved.

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End Credit Score Suite

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How to raise your credit rating
News from

The higher your credit scores, the better shot you have of getting a loan or credit card application approved. Improving your credit scores takes time, but it can be done. Here are some important tips:

Dispute errors. Credit bureaus are required by law to investigate mistakes you bring to their attention and report back to you. Typically, they ask the creditor that reported the past-due information to check its records. If the creditor can’t verify the info or doesn’t respond, the item should be deleted.

Pay your bills on time. Payment history makes up more than one-third of the typical credit score determination, financial columnist Liz Weston, author of Your Credit Score, says, so paying bills on time all the time is essential to maintaining good scores. If you’re forgetful, consider setting up automatic payments through your bank.

Pay down your debts. Lende…………… continues on
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Business Plan for How To Start Credit Score Repair and Credit Counseling Services
How would you like to start or expand your business with a professional business plan that’s designed to save you time and money a…

10 things to do before deciding to open a credit card
News from

Should you compare credit card offers, you might find one or more that are appealing. But, don’t morph into impulse buying mode. Credit cards are convenient, but can be quite expensive. Be smart and do the right things BEFORE you act on that credit card comparison.

1. Determine the “health” of your credit score.

The types and terms of credit card deals you qualify for depend on the strength of your credit score.

2. Examine your payment record over the past 12 months.

Have you made all payments on time? Have you missed a payment or two? While you can’t change the record, knowing what the picture looks like will help you find the right account when you compare credit cards.

3. Consider the number of inquiries on your credit report in the past six months.

Understand that, should you…………… continues on
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Your Credit Score

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Automotive : Check Your Credit Score Before Getting Subprime Auto Loans
News from

( Is bad credit history preventing you from getting your car loan? If it’s yes than now you don’t have to worry. You can’t wait until your credit score improves as this will take a long time. There are subprime auto lenders which provide loans to those who are suffering from bad credit score. They will help you to purchase your dream car, these lenders are skilled enough to deal with bad credit condition and thus they are specialized in providing such auto loans. CarLoansRightHere also provides subprime auto loans to the needy individuals, it helps people to purchase car during their tough times.

Few Tips to Get Instant Car Loan Approval with Bad Credit

It’s advice to have a look at credit report before purchasing a loan. You might not want to face your credit score, but you have to. According to the studies, it’s revealed that nearly 70…………… continues on
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How to be responsible with credit cards
News from Alaska Dispatch:

If getting a credit card is a rite of passage for college students, choosing the right plastic and learning how to use it responsibly is a matter of life and debt. Young people age 18 to 24, carry an average credit card debt of $ 2,002, according to Before you end up as a debt statistic, learn to pick the right card and manage your credit beforegetting your hands on plastic. Here are five things every new credit cardholder should know:

Shop selectively

Think of your credit score as a compass to steer you toward which credit cards you are most likely to be approved for. You can check your credit scores for free at and other sites. But if you’re scouting for your first credit card, chances are your credit score is low. You have two options:

1. Student credit cards:  Designed just for college students, student credit cards help new cardholders build credit and throw in some perks like cas…………… continues on Alaska Dispatch
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How to Increase Your Credit Score Guaranteed New Edition

How to Increase Your Credit Score Guaranteed New Edition
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First credit card? Five key tips for college students.
News from Christian Science Monitor:

If getting a credit card is a rite of passage for college students, choosing the right plastic and learning how to use it responsibly is a matter of life and debt. Young people age 18 to 24, carry an average credit card debt of $ 2,002, according to Before you end up as a debt statistic, learn to pick the right card and manage your credit before getting your hands on plastic. Here are five things every new credit cardholder should know:

Getting a first credit card (like the Central Michigan University student in this file photo) is a rite of passage for many college students. Be sure to be selective when you apply for one. (Ben Garvin/The Christian Science Monitor)

Think of your credit score as a…………… continues on Christian Science Monitor

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How to Choose a Business Credit Card, Part Two
News from Practical Ecommerce:

In “Part 1” of this two-part series, I provided some tips for choosing a business credit card. In this “Part 2” installment, I provide details on specific cards as evaluated by [, a non-profit organization that provides news and advice about credit cards. What follows are business cards recommends. Note that promotions change on a regular basis. So be sure to check the details of the most recent offers. Note, also, that this is not a comprehensive list of business credit cards.

Credit ratings are based on the following scores:

  • Excellent: 725+
  • Good: 650 – 724
  • Fair: 600 – 649
  • Bad: 300 – 599

American Express requires an “Excellent” credit score for all cards. While it offers a wide ran…………… continues on Practical Ecommerce
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Parents’ Check List for Sending Their Kid Off to College
News from Fox Business:

As move-in day quickly approaches for many incoming college freshmen, parents may be frantically going over a list of every item their kids might possibly need.

Making sure a student has all the supplies necessary to survive while away at school is important, but parents also need to think about how they can best help their child adjust to college life and all that comes with it.

“Twenty-five percent of college students drop out in their freshman year because they are not academically, emotionally or financially prepared for college life and adulthood,” says Jeff Livingston, senior vice president of college and career readiness at McGraw-Hill Education. “Whether students like [to admit] it or not, college takes planning and preparation.”

College is full of new experiences and responsibilities that can be overwhelming to new students. Experts and veteran parents of college kids offered the…………… continues on Fox Business
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10 Ways You Can Improve Your Credit Score Right Now
News from Lifehacker:

If you don’t understand your credit score and how it’s calculated then you’re in the dark regarding one of the most important aspects of your financial life. Here’s a look at how credit scores work, how they’re calculated, and ten steps you can take to start improving your score today.

Not convinced your credit score can have a serious impact? Look at the chart below, which shows your expected interest rate on a 30-year fixed rate mortgage, depending on your current credit score:


So with a credit score of 620, your interest rate could be as much as 1.6 percent points higher than if you had a score of 760. Now, you might think it doesn’t matter because, really, there’s not much difference between 3.9% and 5.5 %.

Wrong. For big purchases, like houses and cars, such a seemingly small difference can result in almost unimaginable extra costs over the life of the loan. Let’s take the 30-year fixed rate mortgage loan above as an example, on a home-loan of $ 2…………… continues on Lifehacker
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BestCredit: How to Win the Credit Game (2nd ed.)
Dana Neal knows first hand the consequences of bad credit – how a financial setback can leave you unable to buy a house or car, re…
Credit Scores and Credit Reports 3rd ed: How The System Really Works, What You Can Do (Credit Scores & Credit Reports: How the System Really Works,)
Credit Scores & Credit Reports provides the first thorough examination of the all-important, but little understood, credit scoring…

Top tips for getting a loan approved
News from MoneyExpert:

As the cost of living continues to soar, more and more Brits are heading into debt. Many are turning to loans in order to cover the cost of daily expenses. Over a third (33%) of high income families are now reliant on overdrafts of over £1,000 – compared to 15% in 2008.

Whether you need a loan to cover general expenses, university fees, holiday costs or any other reason, here are some useful tips to ensure you get the most out of loan.

Compare loans with MoneyExpert

How to get approved

In order to speed up the process and improve your chances of getting a loan approved, you should check your credit rating as well as that of your partner. Their credit rating could affect YOUR
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Small Business Credit Cards – Tips for Finding the Right Business Card
News from EQuicknews:

When іt cоmеѕ tо running уоur company, small business credit cards mаy well prove tо be extremely valuable for уоur requirements. Not оnlу wіll theу assist you іn building а favorable credit ranking fоr thе enterprise, but thеу соuld hеlр fund business expenditures essential tо kеер the plans afloat.

Even tough уour enterprise іs toо new to earn а good FICO score, уоu cаn nonetheless be okayed fоr small business credit cards. Some оf thesе application forms саn be trickier tо get, howеver theу аre defіnіtеlу аvaіlаblе tо choose from. Look аt all thе terms аnd conditions tо determine precisely what іѕ needed to be ablе to secure a charge card with little іf anу overall credit score.

With rеgаrds to financing your business, а small business credit card iѕ whаt yоu want. They can bе nоt aѕ difficult tо produce thаn a business loan. Additionally, thеy will aid in generating а desirable credit ranking reputation for yоur business.

Using credit cards which iѕ distinct…………… continues on EQuicknews
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Living Well with Bad Credit: Buy a House, Start a Business, and Even Take a Vacation – No Matter How Low Your Credit Score

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If bad credit has happened to you, there is something you can do about it Feeling broke and battered? We know the feeling—heck, everyone knows it. According to the Wall Street Journal, 110 million Americans have bad credit—almost 50% of the adult population. But we don’t have to be depressed or discouraged about it. There is life after bad credit. In fact, there’s even life during bad credit.

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Free Credit Reports And Credit Scores That Aren?t Free

Free Credit Reports And Credit Scores That Aren?t Free
News from San Francisco Chronicle:

Many websites advertise that they allow you to check your credit report and/or credit score for free. But there’s a catch: many of these “free” reports and scores actually cost money. Let’s take a look at a few of these websites to see what they really charge.

Credit Reports vs. Credit Scores
Before you check anything, know the difference between a credit report and a credit score. A credit report shows all of the credit accounts in your name, how long you’ve had them, how much you owe and whether you pay on time. A credit score is a three-digit number between 300 and 850 that lenders use to assess the risk of lending to you. The higher the number, the better your score.

“Free” Credit Report And Credit Score Websites Explored
What follows is not an exhaustive list of sites advertising free credit repor…………… continues on San Francisco Chronicle
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Debit Disaster: Reasons to Steer Clear of Prepaid Debit Cards
News from Business Insider:

It’s safe to say that any card with Kim Kardashian or Twilight characters on the front would be a little difficult to take seriously. Prepaid debit card issuers have been using celebrity faces to market their misleading and expensive cards because their outrageous fees certainly aren’t doing the trick. 

Prepaid debit cards allow you to pre-load money on a card, which you can use anywhere cards are accepted. Sounds simple enough, but there’s a catch. If you’ve ever used a prepaid debit card, you know that a $ 10 purchase could set you back and extra $ 3-$ 6 in transaction fees alone. In addition to annual or monthly fees, you’ll get slapped with reloading fees, ATM fees, and even balance inquiry fees. 

If you haven’t yet succumbed to the misleading promises ma…………… continues on Business Insider
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