How much influence does it really have? Can a slight difference in my score have a dramatic effect on my life? If so... HOW so? In this article we are going to take a quick look at why your credit score is amongst the most important set of digits you'll have attached to your name...ever! Think that's an overstatement? Continue reading as we take a closer look below! Filed Under: You ARE Often Just a Number (We all are!) When it...more
Who else is wondering how often they should check their credit score? If you are anything like I was when I first got started learning about my credit, (and trying hard to fix it!) the very first question that comes to mind is how often do I need to CHECK my actual score to stay current? Does it change daily...weekly, monthly or what? And how important is it to know at any given time what those 3 digits are? Any of this sound...more
Who else is trying to figure out the benefit of knowing your credit score? Does knowing your score help you get a better rate on your loan? How about qualify for a fancier credit card....or even get a better insurance rate, or job offer? Does simply having your score handy offer any of these advantages....or is it simply a small step in an overall SMART financial strategy? Any of these questions sound familiar? If they do.....we've written this article with YOU in mind! Curious to know more? Great...continue reading as we take a closer look below!Filed Under: Fortune Rewards the PreparedThere really is NO other way to say it. Those that have their financial ducks ORGANIZED and arranged, do FAR better than those that don't....EVEN when those that don't have better credit than those of us who do! Sound confusing? Let me explain..:-) The simple truth is that your credit score may be the most important set of numbers affixed to your identity that you DON'T always know.Your cholesterol level, your age, your favorite fantasy baseball players batting average and other miscellaneous numbers are CONSTANTLY on the tip of our tongue. But while abstract, the simple truth is that...more
Who else is unsure whether or not they're credit score is bad? Have you seen your score....but simply are completely unsure how to interpret it correctly? If you are anything like I was when I first got started on the path to understanding (and fixing!) my credit score and report, you are probably completely overwhelmed with confusing...more
How important is your credit score? Can it really affect your life in dramatic and important ways.....or is it only ONE simple measurement in a sea of statistics that people use to judge your financial worthiness? Will it effect your ability to get a job? Housing? Insurance? Or is all of the focus on checking your credit score...more
If you take a look at the credit card market today, one of the most popular ones are the 0% balance transfer credit cards. Have you considered the advantages that a zero balance transfer credit card can bring you? Zero Percent Interest Credit Card AdvantagesSum up all your balances into one. If you own several credit cards with varying payment due dates and varying interest rates, transferring all these balances over to a zero percent interest will save you from confusion or missing your deadlines.Save by not paying the additional interest rate. One of the best advantages of a 0% balance transfer card is that it enables you to save from shouldering the additional interest charges. If the cards you own today charge you with high APR, moving them over to a 0% interest will literally save you thousands of dollars. Thus, you can focus on paying the original amount you owe, minus the monthly interest charges. Wouldn't that be an enormous savings for you?Choosing the Right 0% APR Balance Transfer Credit cardIn choosing a 0% balance transfer card, what factors should you consider? Take note that the zero percent rate will not last forever. It is only offered for a limited period...more
Out of the 88 negative rating factors that can lower your credit score one in particular that I would like to cover are inquiries.In the credit scoring system inquiries are given two types of classifications one being 'soft inquiries' and the other...more
Rewards credit cards could make the entire experience of possessing and ultizing a credit card a more pleasurable one. Any time a quality bonus program is picked out, the cardholder may very well receive numerous features and benefits.Nevertheless,...more
If you have a relatively decent credit score and you want to keep it that way, you need to find out what your debt ratio is and work to keep it in the green (k.e. good) zone. Your debt to credit ratio is the amount of debt that you have...more
Credit> have replaced dogs as a person's best friend. They are easy to get, reliable, flexible, easy to carry... what else can I say in their favour? One of the best financial inventions of all times, and certainly the most popular by far. But you...more
There is a huge range of credit cards available on the market today. From interest free credit cards and instant decisions credit cards to adverse and prepaid cards, but reward points cards are one type of card which can actually earn you money, or...more
A credit report is basically a consolidated account of your previous borrowings and repayments. Every time you borrow, pay or delay, it will be reflected in your credit report. Money lenders use it to assess how much of a risk it would be to lend to...more