Blog

3
Jan

Secrets to Managing Your Debt Ratio

Top Ways to Manage Your Debt Ratio Debt ratio is the difference between the amount of debt you have charged versus the amount of money the credit card has authorized for you to use, or your credit limit. The difference is your debt ratio. This can also be referred to as revolving (credit card) credit you have available. If your

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3
Jan

How a Low Credit Score Can Hurt You

How a Bad Credit Score Can Hurt You While a credit score may seem like an arbitrary number, calculated by an invisible credit agency with no real bearing on your life. However, bad credit can cost your real money. To get an idea of just how much money you can lose due to bad credit, take a look at the

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3
Jan

What is in Your Credit Score

What Makes Up Your Credit Report   Your name Your Social Security number Your address (and any previous addresses) Your current and past loan information Your public record information (court judgments, bankruptcies, liens) A list of other companies who have reviewed your credit. Your 3 digit credit score (optional)   While some of this information is self explanatory, some of

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3
Jan

The Truth on Credit Restoration

The Truth on Credit Restoration Contrary to what the credit bureaus would like you to believe, credit repair does work and can work for 100% of people in most circumstances. This is, of course, provided you are getting the best advice and have an experienced professional working on your case. Any one with a credit score below 720 can benefit

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3
Jan

8 Ways to Raise Your Credit Score

Eight Ways to Raise Your Credit Score   1. GET RID OF YOUR COLLECTION ACCOUNTS. Did you know that paying a collection account can actually reduce your score? Here’s why: credit scoring software reviews credit reports for each account’s date of last activity to determine the impact it will have on the overall credit score. When payment is made on

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