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      February 18, 2019

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Best Credit

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.

Loans for bad credit

There's also an upside to getting approved for a bad credit loan: if you pay it back on time you can repair your finances and establish a good credit profile. Having bad credit doesn't always mean tha...

Published:  Thu, 14 Feb 2019 07:06:00 GMT



29% of Americans Have More Credit Card Debt Than Emergency Savings

That's because credit utilization is a big factor that ... should be able to not only pay for a major expense, like a home repair or medical bill, but also get you through a period of unemployment ...

Published:  Thu, 14 Feb 2019 03:18:00 GMT



Credit Advisors Council - Credit Repair Delray Beach Provides Consumers Credit Counseling Services to Help Fix Their Credit

Delray Beach, FL - Credit Advisors Council - Credit Repair Delray Beach office has credit advisors, credit consultants and credit counselors working to raise awareness about the financial impact of co...

Published:  Mon, 04 Feb 2019 10:55:00 GMT



Zorro Credit Repair Opens New Miami FL Office

January 29, 2019 - - Zorro Credit Repair has announced that they have opened a new office in Miami, Florida. According to the company, their aim is to reach out to more people to help them get their c...

Published:  Tue, 29 Jan 2019 12:51:00 GMT



Mortgage Credit Repair

You have more chance of your lender approving your mortgage or offering you low interest rates if you have a good credit score. Your credit score tells lenders how reliable you are as a borrower. The ...

Published:  Sun, 27 Jan 2019 16:00:00 GMT



Put credit repair on New Year's resolution list

An old friend not only was a victim of credit fraud this past year, but his family's passports also were stolen just two weeks before a long-awaited Christmas vacation. Stuart, 60, took all the right ...

Published:  Sun, 06 Jan 2019 02:26:00 GMT



14 Reasons Why You Should Sign Up for Credit Repair Today

[Disclosure: Lexington Law Firm advertises on Credit.com and Credit.com may receive compensation if you sign up for credit repair services with Lexington Law Firm.] Having a great credit score is one ...

Published:  Wed, 05 Dec 2018 05:03:00 GMT



How a man paid $2,500 to a credit repair agency to "ėdo nothing'

"Doing nothing" can be a lucrative venture for credit repair companies but financially crippling for Australians, a Senate inquiry into payday lenders and credit services has heard. Established last y...

Published:  Sun, 13 Jan 2019 19:11:00 GMT



How to spot a credit repair ripoff

Memphis, Tenn. - Credit repair companies claim to help consumers quickly boost their credit score, but a News Channel 3 investigation found customers who claimed they made a costly mistake. WREG also ...

Published:  Thu, 15 Nov 2018 19:14:00 GMT



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