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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.

The Best Low-Interest Credit Cards in March

depending on how creditworthy you're deemed to be -- in large part via your credit score. Also, some low-interest rate cards feature the lowest rate of all -- 0%! -- but that zero rate will only be temporary. A good zero-interest card will maintain that ...

Published:  Mon, 18 Jun 2018 07:28:00 GMT



5 Unexpected Ways to Utilize a Credit Cards

Some credit cards offer rewards for transfers, and even zero interest for a certain length of time ... you get is higher than the annual fee on the card. Also be aware of interest rates and make sure that the rate you are paying on the card doesn ...

Published:  Mon, 18 Jun 2018 01:39:00 GMT



Susan Tompor: Why Fed rate hike can drive you to pay down credit cards

As a result, the interest rate consumers pay on credit card debt typically ... While rates on variable rate credit cards have gone up, credit card issuers are still offering 0 percent rates for a limited time, such as a 18 months or 21 months, that can ...

Published:  Mon, 18 Jun 2018 05:36:00 GMT



6 purchases you'll regret putting on your credit card

Consumers can use credit cards to pay for nearly everything ... consider a short-term personal loan or ask the IRS for a payment plan; the government interest rate is usually only around 0.5 percent, according to Experian. 2. College tuition.

Published:  Mon, 18 Jun 2018 10:00:00 GMT



The economy is good, wages are rising, and the Fed is hiking interest rates. It's going to get more expensive to borrow money.

That's because credit card companies generally offer variable interest rates that are adjusted in real ... The increase in the federal funds rate announced Wednesday - 0.25 percentage points to a range of 1.5 to 1.75 percent - won't make a huge ...

Published:  Wed, 21 Mar 2018 15:39:00 GMT



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