Credit Repair Secrets * Free Credit Repair * Credit Report Score * Credit Dispute Letter

In the past years, various methods of credit scoring were used to calculate individual credit score. It used to be that credit score was mostly determined by the number of credit cards owned, the frequency of credit card charges, and the cardholder’s capability to pay off these charges. Consequently, those who do not own credit cards may be regarded as a poor candidate for credit. As a result, people who cannot qualify for loans may have little choice but to seek out subprime lenders.

After receiving your credit report, you find out that you have a low credit score. What should you do? How can you work on improving your rating? Here are some tips:

Pin ItNow that the holiday season is here, consumers- especially credit card holders need to pay attention to their spending. With the recent economic slump, managing debt can become very difficult if it gets out of control. In this article, let’s talk about practical tips on how you can survive the holidays without falling in [...]

Pin ItEveryone knows that a higher credit score is better.  Does that mean you have strive for the perfect score?  Is it really possible to ace the FICO scoring system? Understanding the FICO Scoring System The FICO model is the most widely used scoring system in the US.  It used by the three major credit [...]

Pin ItSome people have the mistaken idea that if you own many credit cards, it can add up to your credit rating. But is this really true? Can multiple credit cards really boost your credit score? To fairly answer this question, let’s talk about how your credit history is calculated in figures. There are basically [...]