Do You Really Need a Perfect Credit?

Everyone 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 bureaus and recognized by lending ...

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How often can I Receive a Free Annual Report?

A lot of consumers are wondering how often they can receive a free annual report. Most individuals think that they can only receive three free credit reports each year. But is this true? What other situations can allow a consumer to receive more than three free credit files in a year? Let us discuss the answers to these queries in the remainder of this article.

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Resolve to Repair Bad Credit in 2012

Offers for different types of credit repair services are prevalent in the market. The truth is, you can do certain steps to improve bad credit by yourself. You do not need to pay an agency to help you resolve your bad credit problem. Consider the following steps that you can do to repair bad credit in 2012.

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The Rules on Using Credit Cards

The way you handle your credit card could mean the difference between having good credit and bad credit. Check out this checklist on how to use plastic money without getting into debt trouble: Do not charge more than what you can afford to pay off. If you want to use your credit card for a purchase, see to it that ...

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