Tag: credit report

Clean Up Your Credit Report and Score Yourself Quickly

Credit scores and what shows on your credit report can make all the difference in getting that new home or car that you are wanting to purchase. Even if your credit scores are good enough to get the loan, the lower the score the higher your interest rates will be. There are ways to repair your credit report and increase your scores. Bad credit can be repaired to allow you to get the loan. Good credit can also be repaired to allow for you to get the loan at an interest rate that will save you a lot of money.

 

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How to clear mistakes from your credit report

Have you ever been horrified to discover errors on your credit report? Such inaccuracies can and should strike fear into any conscientious consumer’s heart because of their punishing consequences.

What consequences, you ask? Well, they can result in higher interest rates whenever you borrow money, and they can even affect your ability to qualify for credit, insurance, employment or rental housing.

 

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How Do I Correct My Credit Report? Steps to Fix Issues

Easy steps to fix a potential problem

If you find something on your credit report that doesn’t seem right, this quick video from TransUnion tells you what to do. Learn how to contact creditors and the credit reporting companies.

How to clear mistakes from your credit report

Have you ever been horrified to discover errors on your credit report? Such inaccuracies can and should strike fear into any conscientious consumer’s heart because of their punishing consequences.

What consequences, you ask? Well, they can result in higher interest rates whenever you borrow money, and they can even affect your ability to qualify for credit, insurance, employment or rental housing.

To avoid such ominous scenarios, consider these tips for fixing mistakes on your credit report.

 

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5 seemingly harmless things that can hurt your credit

“Mom,” my daughter said as she stood by my desk recently waiting for one of her homework assignments to print from my computer, “Did you pay this bill? It was due Oct. 4.”

She asked me this on Oct. 14. And no, I hadn’t paid it.

The bill she was talking about was a “toll by plate” bill for $7.50. In some parts of Florida tollbooths have disappeared and drivers either pay using a Sunpass or get a bill like I did when a picture of their license plate is captured on one of these roads.

 

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Seven reasons credit applications are rejected

A credit file profile is not the only reason for having credit applications refused. There may be other less obvious causes for a rejection.

Not on the electoral roll

The electoral roll is something to which lenders turn for confirmation that the applicant is who they say they are. Not being registered on it can lead to a refusal for credit.

 

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10 Steps to Repair, Rebuild, and Protect Your Credit

Have you had one or more financial misfortunes over the past several years and now have a less than ideal credit score? If so, you’re certainly not alone. Credit scores have been one of the biggest victims of the financial crisis and the recession. Unfortunately, that number can determine not only whether you can get credit and what interest rates you’ll pay but they can also affect your insurance premiums and even your ability to get a job.

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