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Knowing Your Credit Score Is Essential In Preventing Bankruptcy
By Nikola Govorko
Sometimes obtaining a duplicate of your credit score report can mean the difference between being pushed deeper in debt and getting out of it. Since most of us dont keep track of our credit score, it Read more...
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Poor Credit Could Cost You a Good Job
By Charles Essmeier
Most people who live in the United States have some sort of credit history. Nearly everyone with whom you do business - utility companies, credit card companies, banks and credit unions report the Read more...
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Tips For Choosing Automotive Credit Cards
By Morgan Hamilton
If you are fond of credit card rewards, then you should take advantage of the rewards that automotive credit cards offer. These cards pair a major credit card company with automotive manufacturers. Read more...
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How To Deal With Credit Card Mail Offers
By Peter Kenny
If you are annoyed by the constant credit card junk mail that you receive, then you are not alone. People all over the country are receiving literally dozens of credit cards offers every year, most Read more...
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recognition: approval; "give her recognition for trying"; "he was given credit for his work"; "give her credit for trying"; "the credits were given at the end of the film"
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#Welcome to
i-prosper.org/Bank/Credit Reviews & Reports - your comprehensive low rate credit card
resource.
Below, you'll find extensive information
on leading low rate credit card articles and products to help you on your
way to success.
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Personal Loans and Your Credit Score
By Joe Hanoa
Did you know that your score will most definitely impact the rate you pay on loans? That’s right, the higher your score the lower your interest rate will be for a home mortgage, auto loan, card, and countless other personal loan deals. Conversely, the lower your score, the higher your interest rate will be if you are approved at all! Let’s take a look at what is behind personal financing when your score comes into play, which is all of the time.
Risk – Lenders never look at you as a person, rather they look at you as a risk. One big question they ask themselves: how certain am I that you will repay your debt? When your score is good, then they “reward” you accordingly with a good rate. When your score is terrible, then your rate is raised to reflect the higher risk. Moreover, the lower your score the less of a chance you will be approved for a loan in the first place!
My Fico – The Fair Issac Corporation is an independent company that helps to determine your score. Your score is based on the following five factors: your payment history, amounts owed, length of history, new credit, and types of used. The first two categories make up about two thirds of your score so if you are behind on payments and you owe a lot of money, expect your score to sink accordingly.
Your Credit Reports – As part of an agreement reached between the federal government and the three reporting bureaus – Experian, TransUnion, and Equifax – you are entitled to one free copy of your three reports every year. Get copies of your report and examine them closely for errors. Make certain that the information
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Here are some more quality articles in several
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contained therein is correct, if not contact the reporting company and have them make the necessary changes.
Obtaining Your Credit Scores – When obtaining your reports you should also find out each reporting agency’s calculation of your score. You’ll pay for that privilege, usually 5 to 8 dollars per score, but it will be helpful information to have on hand when you apply for your next personal loan.
Of course, if your score is low it could take six to twelve months of steady repayment of current debt to increase your score. Things don’t change overnight for the good, but they can for the bad. So, stay on top of your to avoid future bad personal loans.
Joseph is the proud owner of Finance Guide, a website that will
explain everything you need to know about Personal Budgets. We invite you to visit our site today and see what we have to offer.
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