Net-Teams - Bookmark Tag credit report

There are 23 articles associated with the tag credit report!

#	Total Bookmarks	Article Title/Link and Description
1.	Bookmarks: 2	The CRIME of CREDIT REPORTING - Don't Be Fooled By The Advertising - You Are Being Misdirected! When dealing with credit issues, consider what is really going on - most of the issues people have is based on businesses like Equifax, Transunion and Experian providing false written information to others that damages them, which is by definition LIBEL. LIBEL is a CRIMINAL act, and unlike civil offenses, if this happens to you, it is the JOB of the District Attorney (DA) in your area to prosecute the crime, not yours!
2.	Bookmarks: 3	What Goes Behind Your Credit Score? Since lenders or banks lend only against your creditworthiness, it does makes sense for you to know what factors determine your credit score. Read on to find out what affects your credit score (which is based on your credit report information) and how you can get working capital on loan even with a bad credit record.
3.	Bookmarks: 4	Small Business Credit Card It has only been recently that the larger credit card companies began aggressively marketing small business credit cards. If you are a new entrepreneur and have decided it’s time to get a small business credit card, you are in luck!Most new businesses are sole proprietorships and credit is an important part of growing your business. The credit card issuers look at your personal credit history to see how you’ve managed your personal debt. A good personal credit report can ...
4.	Bookmarks: 1	Entrepreneurs Don't Have Average Credit Scores Fair Isaac, the company that develops the formula to determine credit scores looks at the average statistics of consumers and factors that into your score, called a (FICO). According to Fair Isaac the average consumer will have: · One inquiry on their personal credit report in a given year· 54% of credit holders carry a balance of less then $5,000 on all debts other then a mortgage· Have access to $12,190 on all credit cards combined
5.	Bookmarks: 0	The need to look at your credit report Everyone needs to know exactly what is on his or her credit report. Even if you have never been late with a payment in your life you need to know what your credit report reflects that reality. Mistakes happen every day, and mistakes on your credit report can dramatically affect your life.
6.	Bookmarks: 0	The Past Need Not Reflect The Future People who are facing loan repayment problems generally find that they are earning bad credit points. What this means is that his credit ranking drops considerably. As a result, he will not be given top priority if he chooses to go in for some other loan. But this does not mean that he is not eligible for any loan at all. These days, we are seeing a rise in the numbers of people who fall into the category of people having poor credit.This is probably the reason why banks ...
7.	Bookmarks: 0	Having Trouble Getting A Loan? Ten Common Credit Mistakes If you are having credit troubles, you are not alone. Many people are denied funding, financing and loans everyday because their credit is poor, bad or nonexistant! Most of these people make the same credit mistakes over and over.These common mistakes and tips can help you improve your credit score and your chances of getting a loan at better interest rates.1. Check your credit report. It is one of the most common mistakes, but you need to know if what is stated on yo...
8.	Bookmarks: 0	Credit Card Use and Your Credit Report Credit cards have ballooned in popularity in the UK. A recent study has shown that very soon, over a third of all adults in the UK will have credit cards, and the numbers are still increasing rapidly.
9.	Bookmarks: 0	Improve My FICO Score - 5 Key Components Your FICO, or credit, score is calculated independently by the Big Three credit reporting agencies (viz., Equifax, TransUnion, and Experian) based upon a shared formula. Your score has a huge influence on your financial health. An improvement of just 40 or 50 points can mean paying hundreds less per month for a 30-year mortgage, for example. Anything you can do to increase your FICO score can literally mean money in your pocket.The creators of the FICO score, the Fair, Is...
10.	Bookmarks: 0	What Exactly is an Insurance Credit Score? Insurance credit scores are used by insurance companies to determine how risky a person is and how much that person will have to pay for insurance. The use of these insurance scores has made headlines in recent years because many people consider it to be controversial. As a result of this publicity most people now know that insurance companies are using credit information but there are a lot of misconceptions about this practice.
11.	Bookmarks: 0	Your Credit History: What Gets Reported And What Does Not A credit report is a document that outlines your financial status, specifically your credit history. The three national reporting agencies, Experian, Trans Union and Equifax, work independently so it is advisable to get reports from all three for an accurate picture.
12.	Bookmarks: 0	Top 5 Tips To Fixing Your Credit Report Never underestimate the value of good credit. If your credit history isn’t spick and span, make sure to promptly fix your credit report. This is very important. For example, maybe you are a student and you need a loan to pay for graduate school. Your credit history will affect whether or not you get that loan and consequentially it may even affect whether or not you attend that university.If applying for a private student loan, your creditor or lending institution will pr...
13.	Bookmarks: 0	Take The Fear Out Of Qualifying For A Mortgage Not knowing if you will qualify for a mortgage loan may be a bit scary. But to increase your odds of getting approved there are a few helpful steps:You need to wait for at least two years after the final discharge of any bankruptcy you may have filed.A waiting period of three years from foreclosure finalization is required for any foreclosure filings.For the previous one year (12 months) you should have no late payments on your credit report. Mortgage lenders wil...
14.	Bookmarks: 0	Mortgage Advice: 7 Tips for Establishing Credit According to Experian, a credit score is a number lenders use to help them decide: If I give this person a loan or credit card, how likely is it I will get paid back on time? The information from your credit reports is used to create your credit score. Before getting a line of credit, get your free credit report from each of the three major credit reporting agencies (CRAs): Experian, Equifax, TransUnion. Under federal law, you are entitled to one every year.
15.	Bookmarks: 0	7 Tips for Establishing Qualifying Credit for Home Equity & Mortgage Loans According to Experian, a credit score is a number lenders use to help them decide: If I give this person a loan or credit card, how likely is it I will get paid back on time? The information from your credit reports is used to create your credit score. Your credit score will always be a key ingredient for low interest rates when qualifying for a mortgage or home equity loan.
16.	Bookmarks: 0	3 Ways To Get Your Free Annual Credit Report Yes, you can now get your credit report without paying a dime. And unlike before, now it is truly free. No longer do you have to sign up for a free credit report by signing up for credit monitoring protection service for a low annual fee of $79 a year! The days of dodging the annoying charges and service fees for a free credit report are over.
17.	Bookmarks: 0	Low Interest Debt Consolidation—cheaper route to ease debt burden Low rate debt consolidation route allows you to eliminate all those debts, which are of high interest and help in improving your credit report as well. The article makes you aware of how you can limit your monetary outgo when you opt for the debt consolidation.
18.	Bookmarks: 0	How To Work With Debt Consolidation Companies And Become Debt Free What is the difference between debt management and debt consolidation? And what are the advantages to using these strategies?Debt management includes a number of services within a huge group of debt-environment functions and activities, including debt reduction, consolidation, negotiation, settlement, economic failure, credit repair clinics, and even credit reports.In America, on an average, people have eight credit cards and bear an average debt of $9340. High intere...
19.	Bookmarks: 0	How To Consolidate Your Debts And Repair Your Credit If you think you are alone with your debt, think again. Everyone, regardless of economic status or situation, is in debt in one way or another. You might have small debts, like credit cards or financing, or large debts like student loans and mortgages. Either way, your level of debt directly affects your credit.Without a good credit score, you might have trouble getting a loan or a mortgage, or even a debit card – things that most of us take for granted. Your credit score...
20.	Bookmarks: 0	How To Avoid Bankruptcy with Debt Consolidation You have unbearable debts and considering filing a bankruptcy as your debt relief? Bankruptcy has many undesirable consequences that will follow you for many years, it will remain on your credit report for 10 years; almost no lender will even consider you as a borrower for at least 2 years. Debt consolidation will always be your better option than bankruptcy. Read this article to get more information on how to avoid bankruptcy with debt consolidation.
21.	Bookmarks: 0	Bill Consolidation Company – The Best Time To Consolidate Debts Choosing the best time to consolidate debts depends on many factors. Although debt consolidation companies are very effective, many consumers are hesitant to receive help for managing their debts. Besides, if using a debt management service, some creditors will report third party assistance on your credit report. If this information is included on your reports, other lenders may consider you a risk.Knowing When to ConsolidateAlthough using a bill consolidation company...
22.	Bookmarks: 0	A Debt Consolidation Loan Online And Your Credit Report If you are contemplating applying for a debt consolidation loan online, you may be worried about your credit rating or credit score and your credit history as well as your credit report. If your credit rating is less than perfect, you may end up facing some limitations as to where you can obtain a debt consolidation loan online. In addition, the interest rate attached to a debt consolidation loan online will be higher if your credit history is not great and your credit scor...
23.	Bookmarks: 0	Why Late Payments Haunt You For 7 Years Did you ever wonder why a negative item has to stay on your credit report for 7 years? This question has been circulated for many years, and no one was able to give an answer other than what is stated in the Fair Credit Reporting Act (FCRA). I always wondered what the answer was myself, but was never satisfied just knowing that someone just decided to use the magic number 7.Well, upon research I think I found out why creditors, banks and other companies you do business wi...