Trying to Land a Job? Poor Credit Scores May Hurt Your Chances
Many employers are now looking at an applicant's credit report for hiring purposes. During an interview process a potential employer may request your written consent to access your credit report. A credit report is essentially your credit history created by CRAs (also known as credit bureaus). ... more...

Preventing Credit Card Mess
Credit card debts problem is extremely common today. It is usually the first sign of longer term financial troubles. How to manage your credit cards so that you will never fall into credit card mess? There are four pillars in preventing credit card debts problem.First pillar: Proper credit cards ... more...

Credit Reporting Agencies
Credit reporting agencies maintain electronic records of your credit activities. Today, there are three major national credit bureaus: Equifax, Experian and Trans Union. If you are planning on applying for a loan or credit anytime in the near future, it's a good idea to obtain a copy of your credit ... more...

Learning the Disturbing Facts about Credit Card Debt
When I received my first credit card in the mail at age 18 I was ecstatic, I said to myself, wow now Im getting somewhere in life. This credit card company thinks Im worthy of 500 dollars in credit. So I made my monthly payments like a good consumer and watched my credit limit grow. I thought boy ... more...

Ten Steps To Building A Good Credit History
Are you thinking of buying a house? Do you want to buy a new car to replace that old wreck? Trying to get insurance on you home, auto, or life? In each of these situations, whats on your credit report will determine if you can get a loan or insurance and what rates youll have to pay.If youre trying ... more...

Bad Credit Wedding Loans in Case You want to Race Towards the Altar with Bad Credit
So you are engaged. Congratulations. It was not easy. What? Getting engaged? No, finding the right person. But it is just the beginning. There is still a wedding to plan. Do you know how much you have to plan? Perhaps you have some idea but you will know the reality only when you actually start ... more...

Finding What is on Your Credit Report
A credit report is basically a file about you kept by lenders and banks. As annoying as it may be, it's still perfectly legal for them to gather all sorts of details about you. In turn, you have the right to check this file - and you should do so and inquire regularly about your credit report and ... more...

My Credit Affects My Car Insurance Rate?
You probably know that lenders use information in your credit report to determine if they'll give you credit. But did you know that in some states, insurance companies also consider your credit history? Good or bad, your credit history may affect your ability to purchase homeowners or auto ... more...

Understanding Bad Credit Debt Consolidation
As long as the credit report is free of any discrepancies and presents a perfect credit history, you are a favourite with the loan providers. Loans are approved within no time. Loan providers are ready to provide more than what is desired. The picture changes as soon as the first default is ... more...