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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.

This credit card could save you $1,000 with 21 months of 0 interest

Balance-transfer credit cards help tackle debt by letting you move a balance from a card with a high interest rate to one that temporarily charges no interest. But how long that introductory period la...

Published:  Mon, 20 Aug 2018 12:49:00 GMT



How balance-transfer credit cards can save money and help pay off debt sooner

What if you use the American Express EveryDay, which requires no balance transfer fee and ... 1 to 3 percent or around $25 - your credit card issuer will put it toward your balance with the lowest int...

Published:  Sat, 18 Aug 2018 08:18:00 GMT



Can You Pay Student Loans With a Credit Card

... Transfer Cards Balance transfer cards with zero percent introductory APR offers may be a good option for paying your student loans. Although student loan interest rates are generally lower than ra...

Published:  Thu, 16 Aug 2018 07:02:00 GMT



Received A Credit Card Rate Increase Notice

Check the post-introductory interest rate to make sure that it still meets your goals, as balance transfer cards can carry higher rates after the introductory 0% rate ends. If all else fails, there's ...

Published:  Sat, 11 Aug 2018 01:04:00 GMT



How to avoid credit card cash advance fees

When you make a balance transfer, you are effectively paying off one credit card with another, usually to get a better interest rate and take advantage of an introductory 0% APR period. It's unlikely ...

Published:  Mon, 20 Aug 2018 11:24:00 GMT



Tally App Raises $42M, Launches Robo-Advisor To Manage Americans' Credit Card Debt

When he finally left to start college at Boston University, he had no financial support from ... SoFi offers personal loans with interest rates between 6% and 15%. SunTrust Bank's LightStream offers c...

Published:  Tue, 14 Aug 2018 05:00:00 GMT



Survey: Most Americans unfamiliar with major advantages of nonprofit credit card debt relief

The DMP works much like a consolidation loan, but has the advantages of no credit score requirement ... and saving thousands in interest. While credit card balance transfers may provide an attractive ...

Published:  Mon, 20 Aug 2018 03:42:00 GMT



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