Your Credit
Your credit is an important part of debt management — bad credit can cost you a lot of money, but a good credit can be an enabler that allow you to do more things for less money. This section covers information about your credit, credit scores and how to maintain a good credit profile. In addition to these articles, check out related articles in these sections: borrowing and lending money, debt reduction and management, and credit cards.
Your Credit is a subsection of debt management.
5 Important Lessons about Credit that Most People Learn the Hard Way
Years ago I had a co-worker who had a saying: credit cards don’t come with instructions! How true. On the one hand having a credit card makes buying so easy. Just hand over your card, and [...]
What is a Good Credit Score Rating?
What number is considered a good credit score rating? On a scale that usually goes from 300 to 850, the short answer is anything above 720. And why does it matter to have a good credit score? [...]
How and Where to Get Free Credit Scores in 2012
Do you want to know your credit score but are not sure where to look? This article will walk you through the three main ways you can check your credit score for FREE. It will also [...]
5 Ways to Increase Your Credit Score Quickly
As you prepare to take out a new loan or mortgage, you will be thinking about your credit score. The higher your credit score is, the better your interest rate on the loan will be. This [...]
What is a Credit Report and How to Get Free Report from Equifax, Experian, and TransUnion
One of the first step to help you better understand and improve your credit is to get your credit reports. Your reports give you a better understanding of what’s going on, and offer you the opportunity [...]
How to Dispute Credit Report Errors
You know how important your credit score is. Your credit score determines your financial fate when it comes to a number of opportunities, from interest rates to insurance premiums to whether or not you need a [...]
The Difference Between Hard Pull and Soft Pull Credit Inquiries
Not too long ago, I switched to a different Internet providers. When I called to set up my account, the customer service rep asked for my Social Security number. I asked why it was needed, and [...]
How to Reestablish Your Credit After Bankruptcy
One of the many myths surrounding bankruptcy is the idea that you will not be able to repair the damage to your credit rating. While bankruptcy is the single worst thing you can do to your [...]
Different Types of Credit Scores: FICO, FAKO, and Enhanced
Your credit score is one of the most important figures associated with your finances. And you have likely heard the television and radio commercials touting that you have three credit scores. However, you actually have more [...]
Can a Balance Transfer Lower Your Credit Score?
Credit card debt is an expensive problem to get out of. You are paying very high interest rates likely between 12-29% APR. If you just pay the minimum payment you could easily pay 50% of the [...]
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