Tag: repair credit

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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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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When Should You Consider Bankruptcy?

bankruptcy

If you’re like most people, when you borrow money, you have every intention of paying it back. But then something happens; perhaps you lose your job or your hours get cut, your small business slows down, you get sick or you have to stay home to care for your children or an elderly parent. Whatever the reason, you find yourself unable to keep up with your payments.

When you find yourself struggling with debt, you’re no doubt searching for solutions. But the one you avoid — bankruptcy — may be the one you need the most. Here are four signs you should consider bankruptcy.

 

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