The 4 Steps to Creating Good Credit

As a consumer youve learned the importance of establishing a good credit rating with your lenders. Whether you are shopping for a new home or auto, or searching for the best deals on insurance, your credit worthiness will be judged by your credit rating or credit score. A bad credit history or bad credit habits [...]

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Being a Co-signer on a Personal Loan

Being a co-signer on a personal loan for a friend or family member is a very generous offer as it will likely mean the difference between them being able to qualify for such a loan and not being eligible. However, the decision of being a co-signer for a personal loan should not be made lighter. [...]

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The 7 Ways To Protect And Improve Your Credit Rating

The 7 Ways To Protect And Improve Your Credit Rating Your credit score accounts for the amount of interest you have to pay for a loan or a credit card. Increasing your score in just a few points will make a big difference in the interest rate you will pay for a purchase. If your [...]

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Is it possible to fix my credit?

I have a few late payments, and only 00 in debt. I am currently paying off everything and taking responsibility for making sure I do the right things to improve my score. How quickly can it improve if I take care of everything? Read more here

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What is the best and fastest way for my husband to raise his credit score by 40 points?

We want to refinance to lock in a fixed rate. (and possibly pay off around ,000 in credit card debt- but that is not necessary) He has a few late payments on a couple smaller balance accounts that are screwing up his credit score. My credit isn't that great either, plus I don't work (Stay [...]

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How much can he improve his credit score in a year?

My husband and I went to buy a house last week and low and behold we found out his credit is not good (580) My credit score is 734. We were not able to get a loan due to his bad credit. How much can he raise his score in a year if we go [...]

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debt relief programs vs refinancing?

For the past couple years we have gotten so over extended that we cannot keep up w/mortgage, car payments, utilities, let alone maxed out credit cards. Up until this time our credit was always excellent, but due to late payments, over limit fees, etc…not only has our credit score fallen drastically, but we cannot even [...]

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