fix your credit score

How To Choose A Bank Account: 10 Th...

On a recent vacation with friends, I was shocked to discover some of them were paying monthly maintenance fees for their checking accounts.And the...

fix your credit score

What Wikipedia Won’t Tell You...

You have to recognize the drill by now. Right about this time every year, the financial doomsayers stand up behind their pulpits and declare that the ...

identity theft

3 Ways to Protect Your Child From I...

Is your child receiving a lot of credit card offers? It may be a red flag an identity thief has opened credit in your child's name.Identity theft ...

money management

Simple Strategies for Better Money ...

Smart money management is about more than understanding the math. That part is simple: Spend less than you earn, and invest early and often so compoun...

How To Choose A Bank Account: 10 Things To Look For

On a recent vacation with friends, I was shocked to discover some of them were paying monthly maintenance fees for their checking accounts.

And they are not alone: 45% of Americans pay those or other fees in a typical month, according to the American Bankers Association. If true, you may need to fix your credit score.

This is absolutely unnecessary given how many bank accounts these days are free or have avoidable fees, such as when the charge is waived if you receive a direct deposit, maintain a minimum balance or sign up for electronic statements.Bankrate found that 96% of checking accounts at traditional banks fall in either of these categories (38% are flat-out free, as are 72% of checking accounts at credit unions).

 

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What Wikipedia Won’t Tell You About How to Fix Your Credit Score

You have to recognize the drill by now. Right about this time every year, the financial doomsayers stand up behind their pulpits and declare that the end is near. Americans aren’t saving enough to retire, much less pay off their debt. or say “fix your credit score!”  We’re doomed, the sky is falling, and so on and so on.

 

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3 Ways to Protect Your Child From Identity Theft

Is your child receiving a lot of credit card offers? It may be a red flag an identity thief has opened credit in your child’s name.

Identity theft is becoming a bigger problem in the United States. As technology becomes more sophisticated, hackers are finding more and better ways to steal our identities. And the theft isn’t limited to adults.

 

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Simple Strategies for Better Money Management

Smart money management is about more than understanding the math. That part is simple: Spend less than you earn, and invest early and often so compounding will make you rich when you’re old.

The numbers aren’t difficult, but the psychological and emotional hurdles that prevent most people from achieving their financial dreams are. It doesn’t have to be that way if you can stay on the right side of the mental issues surrounding your nest egg.

 

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How to Repair Credit the Right Way

Whether you’ve had a major financial breakdown and would like to begin the process of starting over, or you let one too many late payments slip through and have damaged your credit standing, to repair credit is not only possible, it’s necessary. Without good credit, you may be turned down for loans or have trouble with ever-increasing credit card rates. So what can you do?

 

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9 fast fixes for your credit scores

So you’ve had a few problems getting the bills paid lately, and you’re wondering what you can do to repair the damage to your credit.

You’ve got plenty of company. Tens of millions of people in the United States have credit blemishes severe enough (and FICO credit scores under 620) to make obtaining loans and credit cards with reasonable terms difficult. Here’s 9 fast fixes to fix your credit score

 

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How to repair credit and improve credit score

It’s important to note when planning to repair credit is a bit like losing weight: It takes time and there is no quick way to fix a credit score. In fact, out of all of the ways to improve a credit score, quick-fix efforts are the most likely to backfire, so beware of any advice that claims to improve your credit score fast. The best advice for rebuilding credit is to manage it responsibly over time. If you haven’t done that, then you need to repair your credit history before you see credit score improvement. The tips below will help you do that. They are divided up into categories based on the data used to calculate your credit score.

 

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Do Credit Repair Services Really Work?

 

You’ve seen the ads claiming to be able to fix your bad credit, but do credit repair products really work? Honestly, many of the companies are a scam. But the credit repair services that have been around for a couple decades know the rules surrounding credit repair and know how to navigate those rules to either raise your credit score or give you your money back. That of course doesn’t mean that it works for everyone. There is no magical formula to raise your credit score in a hurry, but there are a few instances where credit repair can help you give your score a deserved bump.

 

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The 3 Biggest Credit Repair Scams Today and How to Avoid Them

 

credit repair scams

When people are watching out for scams, they rarely are worried about places looking to help them repair their credit. Still, financial scam expert Steven Weisman thinks that they ought to be.

Weisman, of Scamicide, points out that a credit report dictates more than just whether or not you can get a loan. “In many states, employers can look at these with regard to whether or not they want to hire you,” he explains, adding that they can also affect your ability to rent or even get insurance. “People get into trouble and want to see what they can do to fix it,” he says, adding that “some of what credit repair services will promise you is downright criminally fraudulent.”

 

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Can Credit Repair Companies Really Improve My Credit Report?

 

The answer is maybe — but they can’t do anything that you couldn’t do yourself, for free.

 

Anything on your report that’s bringing down your credit score is going to stay on, if it’s accurate information.

 

So if a credit repair company promises to remove negative information such as a bankruptcy or judgment, and they want money up front to do it — run. Credit experts say that only time, effort and a solid plan for repaying your debts will improve your credit-worthiness.

 

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