|
|
| www.1001TopWords.com |
|
|
Credit Report Hassles
There is no end to the amount of pain that your credit report can cause you. If you have a bad credit history this is something that can follow you around and wreak havoc on your life without you even knowing it. Do you know how many people did not get a job because their credit report was awful? Thousands and how many do you think realized that that was the reason they did not get a call back? I would venture to say a big fat zip. Credit counts for everything nowadays and it is only going to count for more in the future. Whenever you apply for a job, an apartment, a loan or for credit your report is likely going to get looked at. No one wants to get involved with an unreliable person, especially those who are going to have to depend on this person for some important reason, like a rent check or to keep their business running. That is why people with bad credit find themselves getting the short end of the stick all of the time. If you have found yourself getting rejected an awful lot lately you may want to sneak a peek at your credit report to see if that is the reason. Even if you have never owned a credit card you may still have bad credit. They are not the only things that get reported to the credit bureaus. If you have any bills in your name, car insurance, heating, anything at all, whether you make your payments or not are all finding their way onto your credit report. Everyone should be checking their report at least once a year to see how they are doing. If you want to get yours you can visit Equifax, Experian or TransUnion online today to get your free copy. Martin Lukac, represents, #1 Loans USA, a finance web-company specializing in real estate/mortgage market. We specialize in daily updates, rate predictions, mortgage rates and more. http://www.1LoansUSA.com
|
|
|
|
RELATED ARTICLES
Ten Steps To Building A Good Credit History Are you thinking of buying a house? Do you want to buy a new car to replace that old wreck? Trying to get insurance on you home, auto, or life? In each of these situations, what's on your credit report will determine if you can get a loan or insurance and what rates you'll have to pay. 7 Surefire Ways To Repair Bad Credit Do you have a poor credit rating? If so, you are one of tens of thousands of Americans with the same problem. In fact, it seems that this has become a national 'disease.' And just what do people need that have a disease? They need a cure. What Is A FICO Score? A credit score is most commonly known as a FICO score. FICO stands for Fair Isaacs Corporation. It's a company that developed the credit scoring software used to evaluate your credit worthiness. Credit Cards For People With Bad Credit Scores Sometimes life lands you in a situation that causes your credit to suffer. A job loss or illness can send your credit rating south leaving you with nothing to do about it. Some creditors may let you slide a month or two, but your records will still show a delinquency. A stolen identity can also leave you feeling violated and unable to resume a normal life with credit. It is during these times you may have to search a little harder to find companies that wan to deal with people who have bad credit. There are a handful of lenders who will help you re-establish your creditworthiness by using one of their credit cards. Start Building Credit Fast! There are a couple of reasons for this. You can pay your bills on time for years and never gain more than a few points on your credit score. Bankruptcy vs. Credit Counseling: What Should I Do? Credit Counseling and bankruptcy are both ways to relieve the stress of debt. However, they are very different and it is important to understand both before making a decision as to which is best for you. Credit Score - Reporting Your Financial Health Credit score is one of the most basic, determining factor while loan borrowing. Credit score is the criterion for the creditor to ascertain whether to give you credit or not. Credit score is a powerful tool, if you what it is. Credit score is a three digit number which is consequential enough to decide whether you can own a house or a car and has considerable influence on how much your pay on your credit, insurance and other necessities of life. Collection Agency Secrets for Collecting on Bad Debt Getting worried that one of your clients, customers or patients will never pay? Have you given up on a customer who's essentially said he won't pay? Congratulations--being stiffed by a customer or patient is a milestone in the growth of a business or medical practice. But even the most hopeless of bad debts can sometimes be collected-collection agencies have been doing it for years. Here are six of their secrets. Easing Your Financial Burdens With Credit Counseling It is a well-publicized fact that more of us are getting ourselves into greater debt, and this may be true for you. The embarrassment of your financial situation can mean you are unlikely to seek credit counselling or other credit management solutions. Increased house prices and greater cost of living can force you to turn to heavy borrowing. While this works in the short term, it undoubtedly leads to greater financial burden in the future. Is there anything you can do to stop this trend in your life? Free Credit Reports - How to Maintain Your Credit Profile Maintaining your Credit Profile Secured Credit Cards- Consumer Tips Whether you have no credit or damaged credit, secured credit cards are a good tool for building a good credit history. What Is the Fair Credit Reporting Act and What You Should Know About It The Fair Credit Reporting Act (FCRA) and the recent update to this law called the Fair and Accurate Credit Transactions Act (FACTA) protect consumers against inaccurate information being reported by credit bureaus and the privacy of that information. What does this mean to you? Choosing A New Credit Card 1. Choosing A new credit card Dealing With and Repairing Bad Credit Bad credit can be a burden for otherwise good credit. It may not seem fair at times that financial mistakes in the past can haunt you in the present, but with a little bit of work and some time bad credit can be turned around and repaired. Credit Counseling Basics Credit counseling is an option you might want to consider if you are having financial problems. The stress can be overwhelming when you have creditors calling you daily to collect money that you simply don't have. Among others, one of the benefits of credit counseling is that the credit counselors can deal with those pesky collectors for you. But the most important benefit of credit counseling has got to be that it helps many people, who have reached the end of their financial rope, to avoid bankruptcy. How Creditors Measure Your Credit Rating Creditors will measure your credit rating based on the following three main things. Watch Out For Credit Repairs It is very easy to find a site that is neat, professional-looking, and one that offers a free three-agency credit report and free credit report without a credit card. Identity Theft ? Monitor Your Credit Report The recent security breach at credit card processor CardSystems Solutions has many consumers worried. Thanks to a well-placed computer virus, nearly forty million credit card numbers were stolen, and cardholders nationwide are justifiably concerned about identity theft. Should a thief steal your identity, he or she could run up thousands of dollars worth of debt in your name and it could take years to sort out the ensuing financial mess. 10 Signs You May Need Credit Counseling Debt management programs can be of real help for people that discover they cannot face their debts. At first, they will attempt to solve the situation all by themselves by cutting down on spending and keeping a close eye on accounts. If this doesn't work then it is time to ask for help from a financial expert. The sooner you admit you need help from an expert, the better will be for your future. The best time to seek the advice of an expert is before the appearance of most of the important 10 signs you may need credit counseling. You should already be worried when one or two signs appear. Of course that there are not only 10 signs you may need credit counseling but, these 10, are the most important. When you see more than a few of 10 signs at the same time, know that the situation is bad and getting into a debt management program could be the right solution for you. A Debt Mentality While working through my own debt situation, and helping others resolve their life issues regarding debt and credit, it never ceases to amaze me how similar the life stories are and how profound is the effect of debt on the way a person thinks about life, irregardless of how much money they have or don't have.
|
| © Athifea Distribution LLC - 2013 |