How to raise your credit rating
News from Stuff.co.nz:
REBECCA STEVENSON

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 Stuff.co.nz
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Repair your credit rating
News from NorthJersey.com:

POMPTON LAKES — One main concern when applying for a mortgage or renting a house is a good credit score. A credit score is a number, based on a statistical analysis of credit files. It is intended to help lenders and others predict how likely people are to make payments on time.

FICO scores are calculated from a lot of data in your credit report. There are a few ways to improve your score so that your credit rating doesn’t get in the way of things you want to do.

Lenders such as banks, credit card companies, insurance companies, and even landlords use cr…………… continues on NorthJersey.com
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Five ways the downgrade in US credit rating affects you
News from Washington Post:

Five ways the downgrade in U.S. credit rating affects you

By Ylan Q. Mui,

The impact on your wallet of the Standard & Poor’s downgrade of the nation’s credit rating is similar to what would happen if your own credit score declined: The cost of borrowing money is likely to go up. Here are five things to keep in mind as financial markets respond to this historic event.

1. Uncle Sam’s interest rate may rise.

S&P is one of three major rating agencies that assess the riskiness of large institutions such as corporations and governments. The downgrade reflects a lack of confidence in the U.S. government to pay its debts over time. Riskier countries have to pay higher interest rates, just as riskier consumers do. S&P’s decision rocked the United States — and the world …………… continues on Washington Post
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