March 19, 2018

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Improving Your Credit


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.

Improving Your Credit

Your credit score and credit history are critical to your future - you're financial future that is. Your credit score impacts not only your ability to get that next car loan, a decent credit card, approved for a home but even have access to many jobs. Creditors and employers see your past spending and financial behavior as an indicator of your future. If you've run into a little trouble in the past, it's time to take action now to improve your credit and future opportunities.

Know Your Rights
If your goal is to repair your credit you need to first read up on credit laws and the rights of consumers. You aren't allowed to remove accurate financial reporting but, via the Fair Credit Reporting Act, you can request that companies prove any bad postings to your credit report. When you do submit your dispute (mail, phone, online) you have to include a copy of the actual credit report item. Highlight which entry you're referring to so that you're effort is not wasted. If they can't show specifically what occurred they are required to remove the negative entry. This can have an instant positive impact to your credit report. Also, your credit report should not reflect any negative information that is seven years old or greater unless it is a bankruptcy. Bankruptcies are reportable for ten years and then must be removed. Read over your credit report very closely to identify bad postings and reporting. The Fair Credit Report covers several elements of your credit related rights and should be reviewed in full to best understand what action you can take to repair your credit.

Take Ownership
No matter how your credit got into bad shape, for example a divorce or major illness, take ownership of your credit score. To get your credit back into decent shape you'll need to o lay out a plan of attack. Unfortunately you can't fix your credit right away but sometimes over several months or a year you'll see those numbers start to head in the right direction. One way to get organized and headed in the right direction is to request a monthly or quarterly credit report. Many services offer regular statements as well as alerts should a credit check or credit event occur. Also, vow to be a responsible spender from here on out. If you still have open credit cards, make at least the minimum payments on time each and every month.

Your credit history will make or break your financially. Poor credit can prevent you from getting homes, credit cards, automobiles, jobs and much more. Begin to repair your credit by educating yourself, taking ownership and changing how you use your credit in the future.

These Are the Best Credit Cards Now for Every Type of Traveler

this credit card has higher interest rates than other travel credit cards we looked at in the no-annual-fee category. And as is true for all travel rewards cards: If you don't pay off your charges in full every month and end up carrying a balance ...

Published:  Thu, 15 Mar 2018 12:00:00 GMT

Pros and Cons of Paying Taxes with a Credit Card

... months to pay off that $3,000 and your interest rate is 16.24%, you'll end up paying $143 in interest." If you don't have the money to pay a tax bill immediately and want to use a credit card, a zero interest card may be the most cost effective ...

Published:  Thu, 15 Mar 2018 03:20:00 GMT

Is It Safe to Send Credit Card Numbers via Text Message

These credit cards have either a low on-going interest rate, low introductory interest rate ... The same can be said about sending a picture of your credit card through a message. You have no control over where that photo goes once it leaves your phone.

Published:  Thu, 15 Mar 2018 08:59:00 GMT

Americans Are More Likely to Track Their Weight Than Their Credit Card Balances

There's no shame in wanting ... Late last year, U.S. credit card debt reached an all-time high, with the average balance-carrying household owing roughly $16,000. And that's a whopper of a sum to owe, especially given today's interest rates.

Published:  Sun, 11 Mar 2018 06:36:00 GMT

6 Tricks To Kick Credit Card Debt Quicker

To bring your balance down faster, initiate a balance transfer, in which you move your debt to a credit card with an introductory 0% APR period ... moving her balances to cards with lower interest rates helped her get rid of her debt.

Published:  Thu, 15 Mar 2018 14:37:00 GMT

3 Long-Term Benefits of PayPal's Credit Card Partnerships

PayPal (NASDAQ:PYPL) began striking partnership agreements with credit ... their credit card. Even then, PayPal has a much higher conversion rate on mobile -- 87% -- compared to the industry average of 44%. So it's in issuers' best interest to get their ...

Published:  Sun, 11 Mar 2018 12:01:00 GMT

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