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If you think about it, the most grueling part of the car-buying process, after agreeing on a price, is acquiring the right kind of loan for your new or used car. Most consumers enter the car dealership completely unprepared for the loan application process, and that lack of knowledge and planning is costing them millions … Read more
The UK in recent years has seen a massive growth in the levels of personal debt and thanks to increases in secured loans corresponding to a strengthening of the housing market; it does not appear to be slowing down. Recent figures from Creditaction show that since the end of 1993, when debt levels were around … Read more
Your Credit Report (the Boring Part) Your online credit report is a collection of files and records pertaining to your credit history. It is often referenced for hiring, renting, mortgages, loans, background checks and many other situations which may require an involvement of a larger sum of your income or a need for your personal … Read more
Over 90% of business owners have never taking the time to build business credit. The reason why I have chosen to open this article with this statement is for two reasons. #1 to give comfort to those who have not taken the time to establish business. From this statement you can see that you are … Read more
If I don’t know my score, and my score varies from company to company and day to day, how will I know if my credit is affecting my insurance purchases? The FCRA requires an insurance company to tell you if they have taken an “adverse action” against you, in whole or in part, because of … Read more
There are three main credit score agencies in the USA, they are Experian, Equifax and TransUnion. These companies are the ones who gather, for all intents and purposes, the financial information on consumers. When you apply for a credit card or loan, they are notified; when you close an account, they are notified; when you … Read more
Your credit tells a lot about you. If your credit is not saying very nice things, then it is time to take care of that. This article will give you ideas on how you can clean up your credit and start getting the rates and loans you deserve. Identity theft can do a lot of … Read more
If you currently owe money on credit cards and loans, you will probably have noticed quite a few companies advertising their ability to write off your debts. They make it seem so easy but in fact the majority of these schemes are a hoax. These companies simply want to remove cash from your pocket, cash … Read more
While it is very easy to lower your credit score (a late payment here, a forgotten bill there), it is much harder to raise it back up. Bad credit often means higher interest rates, being denied for student loans, or even being turned down by a potential landlord. This article will help you avoid these … Read more
In this era of an ever worsening economy, it’s now more vital than it’s ever been to maintain a good grip on your credit score rating. If your score isn’t currently as high as you would like, then you need to start doing something about it right away. Those who have attempted to improve their … Read more