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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.

Are credit card APR and interest rates the same thing Not exactly.

... the federal funds target rate in 25-basis-point (0.25 percent) increments. In our example, another rate hike would bring your credit card APR to 22.24 percent, and a rate cut would reduce your ...

Published:  Fri, 22 Mar 2019 04:00:00 GMT



4 Ways to Get a Low Interest Rate Credit Card

Apply for a low-interest-rate card. -- Work with your current credit card issuer. -- Apply for an introductory zero percent APR offer. [Read: Best Low-Interest Credit Cards.] Improve Your Credit ...

Published:  Thu, 21 Mar 2019 06:54:00 GMT



5.5 And Holding: Fed Promises No More Rate Increases, Shielding Credit Cards

No increase on the horizon is at least a nine-month breather ... Here's a link to a classic reprise from Columbia Business School Follies as a stroll down memory lane on interest rates. Credit card ...

Published:  Thu, 21 Mar 2019 08:36:00 GMT



Zero-interest balance transfer has rewards, risks

Should something go sideways, the new credit card account with zero percent interest will be the easiest ... After the introductory period, the interest rate on the account will bump back up to a more ...

Published:  Mon, 25 Mar 2019 07:50:00 GMT



Apple Announces Its Own Credit Card: the Apple Card

Apple is entering the finance market with a new credit card called Apple Card ... no annual fees, no international fees, or any other fees at all. The company says it wants to offer the lowest ...

Published:  Mon, 25 Mar 2019 10:39:00 GMT



Begley's Bargains: Understanding your credit cards and interest rates

According to creditcards.com, the average interest rate on a credit card is 17.55 percent. If you feel like paying with your credit card is your only option, experts say your best bet is to open a new ...

Published:  Fri, 15 Mar 2019 11:45:00 GMT



Are You Ignoring the Most Costly Credit Card Fees

On top of that, you'll likely have to pay a higher interest rate on balances coded as ... and balance transfer fees can be avoided, but no one credit card offers everything.

Published:  Mon, 25 Mar 2019 06:47:00 GMT



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