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      March 29, 2020

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Repair Companies

  1. Ovation Credit Services
  2. Credit Firm
  3. Credit Saint
  4. MSI Credit Solutions
  5. The Credit Pros
  6. Lexington Law
  7. The Credit People
  8. Credit Repair
  9. Credit Assist Network
  10. Pyramid Credit Repair
  11. E Credit Attorney
  12. Credit Repair Consult
  13. Veracity Credit

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Top Consumer Reviews Articles

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.

What is Credit History and Why is it Important?

From that first bank account to the latest credit card, an individualís credit history is the complete synopsis of how that consumer has managed their finances over their lifetime. For better or worse, itís all included in one handy document, which can be accessed by financial brokers, credit card companies and even potential employers.

A credit score Ė a three-digit number that is assigned through a mathematical algorithm which pulls data from a personís credit report Ė is partially determined by a consumerís credit history. A credit score, in conjunction with a personís credit report, is used to determine credit worthiness. It consists of 15 percent of a consumerís credit score.

Knowing how a credit history can affect everyday living is the best tool a consumer can possess. Landlords, insurance providers and even cell phone companies use a personís credit history to determine if they want to risk doing business with that person. Having a bad credit report Ė which is the result of not paying bills on time or forfeiting loans and other debt Ė will have lifelong repercussions for the potential borrower.

Itís best to build a solid credit report from day one. The ways to create a positive report include:

  • Pay on time. While this may seem like common sense advice, failure to make payments on time or to make them at all is the number one reason consumers have poor credit reports. In order to pay bills in a timely fashion, set a budget and establish a bill-paying routine so as not to miss any payments. Some online bill payment systems allow users to set automatic payments/deductions for bills that occur on a monthly basis. Using these features may be the best way to make sure bills are paid on time and not forgotten.
  • Pay the balance. Itís best to pay the entire amount due each month. However, if that is not possible, at least be sure to pay the indicated ďminimum amount dueĒ listed on the bill. Paying even a small amount on bills is better than skipping a payment altogether.
  • Donít overextend available funding. While it may be easier said than done, creating and sticking to a monthly budget is the best way to prevent overspending, which can result in the failure to pay bills on time.
  • Think before buying. Impulse spending is among the quickest ways to overextend available credit. Overextending credit almost always leads to failure to pay bills in full on time, which in turn results in a poor credit report. Establishing a monthly spending plan is the best way to know if there is wiggle room for additional spending on items that are non-essential.

If youíre among the estimated 220 million Americans who have bad credit, all is not lost. There are steps to take to help repair credit damage and improve your credit rating. The best way to repair poor credit is to consult with a consumer credit consolidation service, which can help consumers consolidate monthly loans and other debt into more reasonable payments.

How to Rebuild Your Credit in 7 Steps

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Published:  Wed, 25 Mar 2020 12:23:00 GMT



Credit Repair Companies - Getting Good Advice for Bad Credit

Creditworthiness matters. There are no two ways about it. When faced with a bad credit score, your only option is to fix it. That's where credit repair companies come in. These companies offer their ...

Published:  Wed, 25 Mar 2020 07:35:00 GMT



This Credit Guru Wants To Teach Young Black Men How to "Hunt' For Opportunities In Business

The platform will offer various resources and videos that will be available for aspiring entrepreneurs on YouTube in April. Additionally, there will be a master class teaching people how to launch a ...

Published:  Fri, 27 Mar 2020 06:33:00 GMT



Adding Tradelines and Authorized Users to Credit Report Can Land You in Court if You Sell Credit Repair

This one section one should get your attention: In numerous instances, in connection with the advertising, marketing, promotion, offering for sale, or sale of services to consumers by a credit repair ...

Published:  Tue, 24 Mar 2020 12:25:00 GMT



FTC returns over $3.1-million to victims of student loan debt and credit repair scheme

The FTC has obtained a settlement with an unlawful debt relief and credit repair operation for violating the FTC Act, the Telemarketing Sales Rule, and the Credit Repair Organizations Act after they ...

Published:  Fri, 27 Mar 2020 11:32:00 GMT



Hitting the credit rest button - credit repairs

It is not only legal to go to credit repair companies but also your right under Federal Laws. What laws require you to go through credit repair companies? The Fair Credit Reporting Act, Fair Credit ...

Published:  Sat, 28 Mar 2020 04:56:00 GMT



Antoine The Credit Genius and Rapid Credit Boosters Will Help You Change Your Life

Did you know that your financial behavior and decisions are being tracked by lenders across the country? Are you aware that some employers check your credit score before hiring you for a job? Well, in ...

Published:  Mon, 23 Mar 2020 09:18:00 GMT



3 ways credit cards can help you ride out a crisis

Credit cards can keep someone afloat for only so long. The debt eventually has to be repaid, so they're not a solution to a permanent loss of income ...

Published:  Fri, 20 Mar 2020 13:25:00 GMT



Salisbury to Romsey line to reopen following landslip repair

Emergency work to repair a section of a line between Salisbury and Romsey, damaged by a landslip, has now been completed. The line will now reopen on 28th March, three days ahead of schedule, to ...

Published:  Wed, 25 Mar 2020 06:03:00 GMT



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