When you apply for credit, your credit score helps lenders decide and determine your credit worthiness. The most used credit scores are developed by Fair, Isaac and Company. These are known as FICO® scores. With a higher score you’ll be able to qualify for better interest rates, higher credit limits, and more types of credit [...]

Source: Flickr By Mala It is a difficult time when you find yourself below the red line when it comes to your credit score.  And if you find your credit score below 650, it will be difficult to climb the credit ladder.  However,  There are ways to improve your credit score.  Some have a cost [...]

For millions of people every day, bait is sent through the mail.  By bait, I mean credit card offers and businesses like CitiFinancial trying to loan you money.  While borrowing money is a fact of life, the type of borrowing you do can lead to a bad credit rating.  Here are some simple guidelines as [...]

You’re driving and you happen to pass by one of those suburbs just to avoid traffic. You see a house with a for sale sign on the lawn. You’re just dying to own a house and have been thinking a lot about leaving your apartment. You finally decide that you want to get it, so [...]

   There are tons of law firms that specialize in credit repair. I may get sued for writing this, but it’s my opinion that credit repair law firms like Lexington Law and others are scams. Lexington Law currently charges a $99 setup fee and anywhere from $39 to $79 every month. Their business module and [...]

 In today’s finance industry, when applying for a loan, 95% of lenders will submit your application through an automated system.  This automated system will determine if you will be approved or not based on your credit scores.  their automated systems do not look at credit history.  Most banks have set rules on how to qualify a borrower for [...]

You have rights as a consumer and have laws that protect you. The Fair Credit Reporting Act (F.C.R.A) is one of the keys to restoring your credit profile. To learn more visit http://www.AttractiveCreditSecrets.com The Fair Credit Reporting Act, a federal law, is the key to rebuilding your reports. This law was designed primarily to protect [...]