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Wednesday, January 27th
Over 220 million Americans have a bad credit rating - and it costs them thousands of dollars each year in the form of higher interest rates on everything from loans to credit cards.
Credit reports have become the gold standard for determining a person's financial worth. In some instances, employers even use credit reports and credit scores during the hiring process.
There are several ways in which a poor credit history and low credit score can affect finances.
Having poor credit is not the end of the world. With a little time and a lot of hard work, a bad credit history can be turned into a positive credit history.
The first step one should take toward repairing a bad credit history is to review copies of your own credit report. Reports can be requested through the three major credit reporting agencies: Equifax, Experian and TransUnion. The Fair Credit Reporting Act mandates that all consumers are to receive one free annual credit report from each of the three agencies.
Consumers with poor credit histories also should consult with a consumer credit counseling service, which can help start the process of repairing credit. These services work by helping consumers to consolidate loans and other debt into monthly payments the consumer can afford. There are many such agencies on the market today, but consumers should be careful when selecting one, as not all are created equal.
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