March 21, 2018

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Own Your Credit Problems


Top Consumer Reviews Articles provides unique articles that you won't find anywhere else on the internet. These articles are designed to help you make the most informed decisions possible.

Own Your Credit Problems

The bad news is that youíve come out of the recent financial slump with dismal credit and unhappy creditors. But, at least, millions of people are suffering financially so you know you're not alone. Owning your financial issues today is the most responsible position you can take and, more importantly, will get you on the path to a better credit score, faster. The following steps will help you get on the road to improving your credit worthiness:

  • Access the destruction. Either pay for or request a free copy of your credit report. Sometimes it's hard to digest the truth but the inevitable is that you should look at your credit report and identify your score from all three agencies to see where you stand.
  • Dispute any credit inaccuracies. It's simple and free to dispute issues with your credit reporting. Simply go online to your creditorís website or call them directly to ask for the proper steps in disputing a reporting error. More often than not youíll find reporting errors that, when corrected, will improve your credit score. Also, if your creditor is unable to provide adequate proof, of the issue at hand, they are required by to law to reverse the negative entry. Continue to review your credit history, on a monthly or quarterly basis, to identify additional inaccuracies and also monitor your progress.
  • Answer the phone. If creditors are still calling answer your phone and have a conversation with them. Many lenders are more than happy to set up a payment plan or negotiate options that you can afford - they do this to avoid your bankruptcy.
  • Review the status of your credit cards. If you still have any open credit cards look for those with issues you can fix. For example, if you have a credit card that is over the limit, make every effort to eliminate the overdrawn portion as soon as possible.
  • Open a secured credit card. If you donít have any credit cards open consider opening a secured credit card. Secured credit cards that report to all three agencies are going to be your best option to directly improving your current credit score. However, that means you have to show that you're more responsible now and will prioritize with this card. Make monthly payments on time, every month, without issue. Be sure and review the fees associated with any secured card you may be considering.
  • Once you have a little credit. Utilize your new credit card each month in the most responsible manner. Youíll see the biggest credit score boast by regularly using your credit card but only while keeping the spending down, and paying off the balance each month. Use your credit card to pay for groceries or utility bills - no need to spend on unnecessary items.

Owning your credit problem means taking the bull by the horns. Or in this case, taking control of your credit report. This will help you find ways to improve your existing credit score while making plans for the future.

Build Your Credit Score: 6 Best Secured Cards With No Annual Fees - March 2018

Applying for a secured card is a simple way to begin building (or rebuilding) your credit history. Secured cards are a way to prove to a lender you can be responsible without a lender having to take much risk. When you open a secured card, you put down a ...

Published:  Tue, 27 Feb 2018 16:00:00 GMT

Gemalto launches a new contactless credit card with a fingerprint reader

Credit cards with fingerprint sensors are so very 2017. Now, it's all about the contactless credit card with fingerprint sensors. Gemalto, which makes credit card chips and SIM cards, has claimed its stake to being first in the industry to offer a ...

Published:  Thu, 04 Jan 2018 11:19:00 GMT

What Is a Secured Credit Card

Secured credit cards enable virtually everyone to build (or rebuild) their credit by responsibly managing their secured credit card just like any other credit card. Best of all, many secured cards have low deposit requirements, and some even have a cash ...

Published:  Mon, 21 Aug 2017 00:00:00 GMT

Secured Credit Cards And What You Need To Know

Do you have a poor credit history, or maybe no credit history at all If so, you know how hard it is to be approved for a credit card. Financial institutions usually extend credit cards to individuals with established credit and a record of using credit ...

Published:  Thu, 27 Jul 2017 07:48:00 GMT

What to Weigh When Considering a Secured Credit Card

This article was first published on Not everyone can qualify for the top-of-the-line rewards credit cards. If you've been turned down because of your credit scores, you have other choices. One is to build credit using a secured credit card.

Published:  Wed, 18 Oct 2017 10:42:01 GMT

nRewards Secured

To see more cards in this category, please visit our bad credit category page. Advertiser Disclosure: This post contains references to products from one or more of our advertising partners. The nRewards Secured card from Navy Federal Credit Union offers ...

Published:  Wed, 18 Oct 2017 07:24:51 GMT

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