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TopConsumerReviews.com 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.

How Secured Credit Cards Can Build, or Rebuild, Your Credit

and may have higher interest rates than traditional credit cards. Even so, "the potential market for secured credit cards is huge," the network found. Amazon's card, issued through Synchrony Financial ...

Published:  Fri, 14 Jun 2019 03:00:00 GMT



Here's how to pay less to your credit card company

The average interest rate is about 16.9%, according to CompareCards. For store credit cards, the average is just under 25% ... You can also explore 0% deals, which typically charge you an upfront fee ...

Published:  Thu, 13 Jun 2019 13:33:00 GMT



Bernie Sanders blasts Amazon over new credit card for people with bad credit

Amazon is issuing credit cards with 28% interest rates to "help" people with bad credit ... frequently pointing out that the company paid no federal income tax in 2018. Amazon last year also raised ...

Published:  Thu, 13 Jun 2019 07:35:30 GMT



Amazon News: What Joe Biden, Bernie Sanders Said About The Retail Giant On Taxes And Its New Credit Card

... introducing a new credit card as a part of its Prime service for consumers with bad or no credit. Sanders criticized the card for having a 28% interest rate, which he said, "makes the poor even ...

Published:  Sat, 15 Jun 2019 11:58:00 GMT



How to Make Credit Cards Work for Your Military Family

Eat out a lot? Looking for a low interest rate? Looking for the best rewards program? Credits cards like the ones offered by Navy Federal Credit Union are tailored to benefit your lifestyle. Navy ...

Published:  Fri, 14 Jun 2019 09:13:00 GMT



Inside the AOC-Sanders Proposal to Drastically Cut Credit Card Interest Rates

Whether your credit card has an interest rate of 15% or 30%, the smartest strategy is to pay it off in full every month. At the end of the day, nothing beats paying zero interest. This may be the ...

Published:  Thu, 06 Jun 2019 08:41:00 GMT



Bernie Sanders and AOC vow to outlaw Amazon's new credit card for people with poor credit scores over its 28 per cent interest rate

Bernie Sanders and Alexandria Ocasio-Cortez have vowed to outlaw a new Amazon credit card designed for people with poor ratings over its high interest rate. The Vermont senator ... the proposals have ...

Published:  Fri, 14 Jun 2019 03:41:00 GMT



Economics in Brief: Amazon Launches Credit Card for the "Underbanked'

The card has no annual fee, grants a $20 Amazon gift ... who really do need a secured credit card to build their credit score, there are a number out there that have significantly lower interest rates ...

Published:  Fri, 14 Jun 2019 07:31:00 GMT



Secured Credit Cards: No Longer Hard Money Lending, A Path to General Purpose Credit Cards

Secured credit card gave the business a bad reputation before the recession. The space was filled with third-rate lenders who added ... All this, and 35% interest on the card while your savings earned ...

Published:  Fri, 14 Jun 2019 09:07:00 GMT



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