Monthly Archive: February 2017

Equifax India. #credit #builder

#credit score information

Credit Report Request Form

You can access your credit report in four easy steps as mentioned below;

Step 1: Fill the KYC Request form for getting a Credit Report

Step 2: Attached the self-attested copy of Identity Proof and Address Proof

Step 3: Make a payment of RS. 138/- for Basic Report and 400/- for Score*

Step 4: Send the above documents through a Courier/Regular Post/Speed Post/ to us.

The KYC form can be requested via email or through regular post

List of Identity Proof Documents (Any one):

  • Self-attested Copy of Voters ID card
  • Self-attested Copy of Aadhar ID card
  • Self-attested Copy of Driving License
  • Self-attested Copy of Passport Copy
  • Self-attested Copy of PAN ID card

List of Address Proof Documents (Any one):

  • Electricity Bill
  • Landline telephone/Mobile Bill
  • Credit card / Bank Statement
  • Gas Utility bill
  • Ration Card
  • Driving License
  • Registered Rent Agreement along with Electricity/Landline/Mobile copy in the name of landlord

Guidelines for sending the above document:

  • The photo copy should be self-attested.
  • The ID card number should be clear and visible.
  • The photo on the ID card should be clear and visible.
  • The document should be a recent one and within 3 months from the current date.
  • The name and address on the documents should be of the consumer.
  • The address should be clear and visible.

Payment Details via DD

  • Make a DD of RS. 138/-* or 400/-* in favour of : Equifax Credit Information Services Pvt Ltd, Mumbai
  • DD should be crossed, mentioned Account Payee and with a valid date and payable at Mumbai
  • Please mention your name and phone number on the back side of the DD

Payment terms and conditions

  • Payments will be accepted only through DD and no other mode of payment will be accepted.
  • In case we receive the cheque, the same will be destroyed at our end and you will be informed.
  • Fees once paid will not be returned back

Click here to download Credit Report Request Form

Establishing Credit in the United States #check #credit #rating #free

#how to establish credit

Credit Report Q A

Establishing Credit in the United States

Dear myFICO,

I will be permanently moving to the US next month from Mexico. In Mexico, I have a perfect credit history that I’ve built over the last 15 years. I would like to maintain my credit status when I move to the US. Am I able to send my credit history to the US credit bureaus?


Arlington, Texas

Dear Gabriela,

Unfortunately, it’s unlikely that you will be able to utilize the good credit history that you’ve built in Mexico when you get to the US. Most countries do not allow credit reports to transfer from country to country. There are legal, contractual and technical reasons that prevent a person’s credit report to be transferred between countries.

However, it is very likely that the good credit habits that you’ve used to build your credit history in Mexico will also help your credit standing in the US. There are many factors that go into credit scores in the US but if you simply pay all of your credit obligation on time and as agreed, then that behavior will help your credit standing.

Because you will not be able transfer your credit report to the US credit bureaus, you will need to work on establishing your new credit history. A good way to start is to open a new credit card. You’ll want to keep the balances on this credit card low enough so that you can pay off the balance each month. If you are unable to obtain a credit card due to your lack of US credit history, you can apply for a secured credit card. These cards allow you to charge only up to the amount that you have deposited. Regardless of the type of credit card you open, being on time with all of your payments is the most important factor towards building your credit history here in the US.

It may take about 6 months to establish your credit history and get a FICO score. As time passes and you continue to use your credit card responsibly, you will see your FICO score rise. As your FICO score gets into higher ranges, more credit may become available to you and at better terms. When utilizing your access to credit, keep these tips in mind: only apply for credit that you need and always pay your bills on time. These are the essentials for healthy credit. From the entire myFICO team, we wish you success in the US.

The U. S. Small Business Administration #student #credit #cards #with #no #credit

#bad credit business loans

Is Bad Credit Stopping You from Getting Business Loans?

By Marco Carbajo Published: March 11, 2014

In a recent report. over 63% of business owners attempting to find funding say they most often targeted banks. Unfortunately, the success among these respondents of actually getting a business loan was a low 27%.

However, recent news suggest small business owners considered creditworthy are discovering it to be easier to get business loans from traditional banks. This is good news for the economy since access to funding for small businesses is a part of job and economic growth.

Unfortunately, bad credit plagues a large percentage of small business owners as a result of the financial crisis several years back. The fact remains that it’s harder for smaller businesses ­– even with stellar credit ratings ­– to get traditional bank loans than it is for larger businesses.

Access to capital is the single largest roadblock most business owners face when growing their business. With a business loan . these businesses can hire new employees, purchase additional inventory, buy or upgrade equipment and increase their marketing efforts.

So what can a business owner do if bad credit is preventing them from getting a business loan?

The good news is there are alternative funding programs and solutions providing business owners the opportunity to obtain a business loan or line of credit regardless of having bad personal credit. Instead, other factors are taken into consideration such as bank deposit history, credit card sales, credit partners and other data sources.

Here are several factors that can get you a business loan regardless of having bad credit:

Bank deposits – A business with regular bank deposits can put its cash flow to work with revenue-based loans . This program is based on the deposits going into the business bank account on a monthly basis. Typically, a business can obtain a business loan equal to 10% of its annual gross deposits regardless of having bad credit. Another benefit of this program is the time it takes to get funded, which is approximately 7 business days.

Keep in mind the loan term can be as long as 18 months with this program, with rates slightly higher than a traditional bank rate. It requires no collateral, financials or tax returns. Repayments are made in small increments every day via ACH from the business bank account.

Credit card sales – This type of funding program, known as a merchant cash advance, provides businesses with upfront cash in exchange for a portion of future credit card sales. For businesses that have regular monthly credit card sales but struggle with bad personal credit, a merchant cash advance may be a viable option.

However, be very selective on what merchant cash advance provider you select. Some providers can cost as high as 38% while others can be as low as 12%. In addition, when it comes to repayment, the majority of merchant cash providers take a fixed percentage of your daily credit card receipt volume until the advance you took is paid back. Other business cash advance providers may offer a fixed monthly installment payment for its repayment method.

Credit Partner – Using a business partner(s) as a credit partner for obtaining lines of credit in the form of business credit cards can be a viable solution to overcome a personal credit challenge. A business partner who has strong credit scores is the best place to look. You may also want to consider someone who may be interested in participating in your business as a potential credit partner.

This method does bring risk to the credit partner because they are cosigning with the business to obtain funding. However, it’s important to note the type of unsecured business credit cards I am referring to will not appear on the personal credit reports of the cosigner unless they go into default.

There are many other types of funding programs that offer small business owners the opportunity to get business loans or access to cash without having perfect credit or subjecting themselves to all the rigorous analysis, cumbersome paperwork, lengthy process and aggravating timelines that comes with a traditional business loan.

Ex-HBOS bosses likely to escape fines because of delayed report #get #credit #score

#three credit report agencies

Ex-HBOS bosses likely to escape fines because of delayed report

James Crosby is one of two former HBOS chief executives expected to be heavily criticised in the report. Photograph: Garry Weaser for the Guardian

Former HBOS bosses who are expected to be heavily criticised this week over their role in the bank’s near-collapse are likely to escape fines because regulators’ report into the matter took so long to complete.

HBOS had to be rescued by rival Lloyds in September 2008 and the enlarged institution was later bailed out with 20bn of taxpayers’ cash.

A Bank of England and Financial Conduct Authority report into the debacle is to be published on Thursday after a series of delays.

The former chairman, Lord Stevenson, and chief executives James Crosby and Andy Hornby are expected to be heavily criticised in the 500-page report and could face bans from the financial services industry.

But fines cannot be imposed for any wrongdoing unless the report reveals significant new information, because regulators did not warn executives of any enforcement action before a six-year statute of limitations ran out last year.

The main report, which reviewed more than 200,000 evidence documents, was completed 18 months ago.

But regulators have spent the last year and a half dealing with more than 1,500 representations from 35 HBOS executives whom they were legally obliged to consult about comments relating to them in the report – a process known as Maxwellisation.

A 100-page report by an independent QC, Andrew Green, also to be published on Thursday, will examine whether the former banking regulator, the Financial Services Authority, was right to have taken action against just one former HBOS executive.

Peter Cummings, who ran the bank’s commercial lending division, was banned for life from the industry and fined 500,000 in 2012.

The report into the collapse of HBOS was not started until that year, once the enforcement action, and appeals against it by Cummings, had taken place, but was initially expected to be completed in 2013.

The parliamentary commission on banking standards, set up in the wake of the Libor-rigging scandal. has already published its own account of the collapse. It accused Crosby, Hornby and Stevenson of “colossal” management failures and questioned why only Cummings had been censured by the City regulator.

Hornby returned to business life in 2009 as chief executive of Alliance Boots. He is now chief operating officer of Gala Coral, and will hold the same senior role when its merger with Ladbrokes is finalised.

Crosby resigned from several City positions, and asked for his knighthood to be revoked, in 2013 after the parliamentary report found that he sowed the “seeds of destruction” at HBOS.

Paul Moore, the HBOS whistleblower, said last week he feared the report could turn out to be “a cover-up and a fudge”. He has called for a criminal investigation, as well as a judicial inquiry into the auditing of all the big banks and the conduct of the credit ratings agencies.

Facebook To Continue With Safety Check Feature Despite Criticism After Paris Attacks #free #credit #checks #online

#company credit check

Facebook To Continue With ‘Safety Check’ Feature Despite Criticism After Paris Attacks Yahoo News 6 hrs ago

Facebook CEO Mark Zuckerberg has promised to use the social network’s Safety Check feature for more disasters, after the company was criticised for turning on the function for last week’s terrorist attacks in Paris, but not for other attacks around the world.

In a Facebook post. CEO Mark Zuckerberg said: “Many people have rightfully asked why we turned on Safety Check for Paris but not for bombings in Beirut and other places.

“Until yesterday, our policy was only to activate Safety Check for natural disasters. We just changed this and now plan to activate Safety Check for more human disasters going forward as well”.

The useful feature was first developed following the 2011 earthquake and tsunami that devastated Japan.

The tool has since been activated a handful of times, following earthquakes in Afghanistan, Chile and Nepal and cyclones in the South Pacific and the Philippines.

Once Safety Check is activated, those who are in the affected area receive a notification asking them if they’re ok.

By selecting ‘I’m safe’, Facebook users can let their friends and family know that they’re ok. People can also mark friends as being safe if they receive separate confirmation.

Those who have friends in the affected area will receive notifications when those friends have marked themselves as safe.

“Thank you to everyone who has reached out with questions and concerns about this. You are right that there are many other important conflicts in the world”, Zuckerberg explained, adding “We care about all people equally, and we will work hard to help people suffering in as many of these situations as we can”.

In a online post. Facebook’s Vice President of Growth Alex Schultz points out that Safety Check isn’t necessarily that useful during an ongoing crisis such as a war or epidemic because there’s no clear start or end point.

We chose to activate Safety Check in Paris because we observed a lot of activity on Facebook as the events were unfolding” explained Schultz, saying: “we made the decision to try something we’ve never done before: activating Safety Check for something other than a natural disaster”.

“This activation will change our policy around Safety Check and when we activate it for other serious and tragic incidents in the future. We want this tool to be available whenever and wherever it can help,” said Schultz.

Experian: Credit Reports – Scores Guide #credit #score #check

#credit bureau report

Experian: Credit Reports Scores Guide

Company Profile: Experian®

Experian is most well known in the United States as a one of the three largest consumer credit reporting agencies, along with Equifax and TransUnion. Created by the successful merger of the former TRW Information Systems Services and the CCN Group in 1996 by the British conglomerate, GUS plc.

Free Credit Score Get your FREE credit score and more in less than 90 seconds. FREE and updated every 30 days. Checking your score won’t hurt your credit.

TRW operated the largest credit bureau in the U.S. and its name had become synonymous with credit reports amongst most American consumers. The company also provided clients with a range of analytical, direct marketing and real estate information services. It was acquired by GUS in 1996.

In 2006, Experian was successfully demerged from its parent, GUS, to become an independent company. Since the demerger, Experian has continued to grow. In 2001, Experian made its most recent major acquisition by taking a controlling interest in Serasa, the world s fourth largest credit bureau and the largest in Brazil. The acquisition gave Experian a commanding position in one of the world s fastest growing markets, while consolidating Experian s global leadership in credit services.

Today Experian is the leading global information services company, employing approximately 15,000 people and providing data and analytical tools to clients in more than 65 countries. From its early focus on financial services and retailing, Experian now supports clients in almost every major industry, from telecommunications and healthcare to government and automotive.

Experian operates primarily in four global markets: North America, Latin America, United Kingdom and Ireland and Europe, Middle East and Africa /Asia Pacific. The company stock is traded on the London Stock Exchange, under the symbol EXPN.

FACT: In September 2010, the Company acquired Mighty Net, Incorporated. In addition, in 2005 Experian became the first company to win the UK Business of the Year award twice, having also won in 2003.

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Please note that our comments are moderated, so it may take a little time before you see them on the page. Thanks for your patience.

Facts About 3 in 1 Credit Report. #credit #reporting #companies

#3 in 1 credit report

Facts You Need to Know About 3 in 1 Credit Reports

If you are interested in knowing the truth about your credit rating, then you need to start shopping for a 3 in one credit report. These reports give you the clearest picture of how healthy your credit score truly is. This is essential information for you to have before you start shopping for loans, credit cards, or other financial products.

What Are 3 in 1 Reports?

You are probably wondering what a 3 in 1 credit report is. To put it simply, a 3 in 1 report is a 3 bureau credit report. With this report, you will get the information from all three credit reporting bureaus in one simple report.

You can get access to a 3 in 1 credit report online or through the mail. An online credit report 3 in 1 is the most convenient way to access the information, because you can instantly download it on your computer. There is, of course, a cost for this information. However, this cost is far less than the potential cost of proceeding without knowledge of problems on your credit report.

Bureaus that Offer Credit Reports

Perhaps you are wondering what companies give you credit reports. Consumers have 3 credit report agencies to be concerned with. These are Equifax, Experian, and TransUnion. Each of these credit reporting agencies will have slightly different information on your credit report.

Why are the three agencies different? After all, don’t they have the same information about your finances? Actually, the agencies only collect information that is given to them by your creditors. The creditors are only required by law to report to one of the three agencies. While most creditors will report to all three, some will not. For this reason, you may have slight differences between each of the different reports. Only ordering a report from one of the agencies could cause you to overlook a potential problem on your credit history.

Now, how does the existence of these three different agencies affect your ability to get loans? When a lender is choosing whether or not to approve your application, that lender can look at one, two, or three of the credit reporting agencies’ reports about your credit history. If you do not know what is on all three of the credit reports, you could end up being denied for the loan because of problems you were not aware existed. For this reason, getting a copy of your 3 bureau credit report score before applying for any important loan is essential.

While you could order a report from each agency individually, doing so will not make it easy to compare the differences. Each agency will have a slightly different format, making it confusing to compare the information and check for differences. Sometimes differences can point to potential problems that you might need to fix. For this reason, many consumers choose to buy 3 in 1 report printouts from various places on the Internet.

Where to Buy 3 in 1 Credit Reports at the Lowest Cost

Getting a copy of all 3 credit reports at one time does cost money. Each of the three credit reporting agencies offers a 3 in one credit report. This is not usually the most affordable place to get one, though. Many third party websites offer all 3 credit reports at a reduced cost.

You can actually get a copy of this report for a very low cost, if you know how to work the system. Some websites, such as, give you the ability to access your three in one report for a very low cost. To do this, you sign up for the company’s credit monitoring services, and then you can access the report. There is a monthly fee to use this service, but you can cancel at anytime. This means that you can access your credit report for much less than other sites by using the service for one month. However, if you are working at building your credit up, you may want to continue the service so you will have access to up to date information about the improvements you are making with your credit score.

Avoiding Credit Report Scams

Unfortunately, there are many credit report scams that charge inflated prices for worthless information. Before you sign up for any service, make sure you know what the requirements are. If you are going to use a trial offer, make sure you know exactly how to cancel if you do not want the product. Also, only work with websites that are trusted names. Never give out your personal information unless you are on a site that you trust. The best way to protect yourself from these types of scams is to work with one of the three credit reporting agencies when ordering your credit report. The cost may be a little higher, but the security may make this worthwhile.

Experian WiseConsumer #get #credit #card

#credit check uk

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If you use another browser please consult the browser help system. Alternatively, use phone or mail to apply for your credit report – go to the the Credit Report Help Centre homepage for more information.

Order your credit report

Your credit report contains all the public and private information recorded in your name and available to lenders carrying out a credit check through Experian.

Cost Payment

  • A single report costs 2.
  • We accept Visa, MasterCard or Maestro cards in your own name only .

Experian Credit Score – Range – Bands – Credit Ratings #how #do #you #get #a #free #credit #score

#credit score uk

Experian Credit Score Explained

Edward Feb 7th, 2011 46

Experian is the biggest credit reference agency in the UK, followed by Equifax then Callcredit. They each summarise your credit file into a score that highlights the risk that they think you represent to lenders right now. Each operate independently, use their own systems to create the score, and they are completely and utterly different.

At the time of writing this, the average Experian credit rating is 783 , a good one is 881, and an excellent rating is 961+. Click here to access your Experian credit score

Your Experian credit score is a guide for lenders, and is purely based on the content of your Experian credit report. which details your recent borrowing history to try to work out if you can handle more debt.

Experian Credit Rating Bands

The Experian Credit Score can change depending on how the contents of your Experian Credit Report change. Below are what each band can indicate according to Experian s Credit Expert service, credit score section:

0-560 = Very Poor

Most lenders would regard this score as very high risk and would expect most people in this category to have serious problems with repaying debt

Most lenders would view this score as high risk and would expect a high proportion of people in this category to have serious problems with repaying funds

Most lenders would regard this score as moderate risk and would expect only a small proportion of people in this category to experience serious problems with repaying credit.

Most lenders would view this score as low risk and would expect few people in this category to experience serious problems with repaying credit.

Most lenders would regard this score as very low risk and would expect very few people in this category to experience serious problems with repaying credit.

How do you get access to your Experian Credit Score?

You access this through the Credit Expert pay monthly service. which now unlimited free access to your credit score. The Credit Expert service is now 14.99 per month, after the free 1-month trial. This includes access to your credit-file and score and a range of monitoring services.

If I have a high Experian Credit Score, does this guarantee I am accepted for credit?

Short Answer = NO! You could have an Experian Credit Score of 999, but still be rejected for a credit application, on the basis of having too low a salary to meet the repayment obligations. But, and it s a big BUT – having a geat credit score does give you the best possible chance getting the loan and a good APR to boot.

Got a question about your Experian Credit Score? Leave a comment below or ask a question in our forum by registering now.

Farm Credit History #best #credit #card #deal

#credit history


1916Founding the System

President Wilson signs legislation creating the Federal Land Bank System—the first loan is made less than a year later.

1923New Credit, New Service, Better Funding

The Agricultural Credits Act of 1923 extends service and provides for short-term and intermediate operating credit, while the System strengthens its funding capability.

1933The Great Depression

In the midst of a Great Depression even greater for agriculture, the System is rescued, expanded, and helps save countless American farms.

1941Production for War

Three days after Pearl Harbor, officials of the Banks for Cooperatives meet in Washington to set new priorities—the entire Farm Credit System prepares to fight inflation and feed a nation at war.

1953An Independent Path

The Farm Credit Act of 1953 makes the Farm Credit Administration an agency of the executive branch and sets the System on a path towards independence.

1971Full Borrower-Ownership, New Charter

Comprehensive new legislation completely updates the charter of the newly borrower-owned System, broadening its lending authority.

1980Expanding Authority, Greater Responsibility

The Farm Credit Act Amendments of 1980 broaden the System’s lending authority, provide for the creation of Service Organizations, and recognize the System’s commitment to “YBS” farmers.

1988Farm Crisis:Toward Solvency and a New Structure

In the midst of an extended farm crisis, the Agricultural Credit Act of 1987—the second important piece of legislation in as many years—provides federal financial assistance and requires the System to reorganize.

1999Associations Restructure for the Future

After more than a decade of experimentation, the “Parent ACA” arrangement is developed, setting the pattern for subsequent mergers on the association level.

2005Paid in Full

Twenty years after the peak of the Farm Crisis, the System repays the last of the federal capital provided during the emergency, returning to fully borrower-owned status.

2016Farm Credit 100

Farm Credit marks its centennial and looks ahead to continuing serving as the financial underpinning of U.S. agriculture and rural America.

Fashion Bug Credit Card Review: Should You Avoid It? #rewards #credit #card

#fashion bug credit card

Fashion Bug Credit Card Review

by CreditCardGuru

Is a Fashion Bug credit card account a bad idea?

Fashion Bug can be a great place to get a deal on plus size and misses clothing, but that doesn’t necessarily mean their credit card is also deal. Whether you are a current cardholder or are wondering if you should apply for a Fashion Bug credit card, make sure you understand the pros and cons.

There are two different credit cards offer:

Fashion Bug card (regular)

  • For each $100 spent the cardholder receives a $5 rebate certificate that can be put towards a future purchase
  • It also gives coupons and “VIP card benefits”

Fashion Bug card (premier)

  • The “Premier” version charges an annual membership fee of $25.
  • Instead of giving a $5 rebate per $100 spent, it gives a $10 rebate (max of $300 in rebates annually).
  • This credit card comes with a few extra perks, such as birthday savings, special sales, etc.
  • It comes with a $10 coupon when the card is first received.

What are the pros and cons of each?

First, let’s take a look at the cons…

  • Can only be used at their stores – A major drawback for both of the Fashion Bug cards is that they can only be used at Fashion Bug and their affiliated stores.
  • Very higher interest rate – At 24.99% this makes their cards a bad idea unless you pay your bill in full every single month.
  • Customer service – According to various Fashion Bug credit card reviews I have read online, the customer service leaves much to be desired. Many purported customers ranked the service as only 1 star out of 5 on one website I was reading.

Now for the pros…

  • Rewards – Essentially you are getting 5% with the regular card and 10% with the paid version. This isn’t a bad deal if you spend thousands of dollars per year at their stores, but many people don’t shop their often enough to make it worth the hassle.


This is your typical run of the mill store credit card. It does offer good rewards for spending at Fashion Bug, but do you spend enough there per year for it to make sense? After all, their prices are pretty cheap to begin with, so will your total savings each year really be that much?

The only people I would recommend the Fashion Bug credit card to are those who have really bad credit and can’t get approved for anything else – or – for those who spend thousands of dollars per year at Fashion Bug.

What is a better option?

If you have great credit, don’t settle for 5% rewards at only Fashion Bug when it’s possible for you to get 5% at every clothing store and department store! Check out these sponsored offers to see how

What do credit scores mean? #credit #bureau #report

#my credit rating

What does my score mean?

Scores range from about 350-850 points. The higher your score, the better. The majority of scores are in the 600-700 range. Scores of 700 and above are considered prime and can get you much better interest rates on loans. Having a score below 700 does not mean you will be denied credit, but you’ll pay more for it.

Don’t expect your score to be very high right away. You are just starting to build a credit history and the score is a snapshot in time, always fluctuating. Your score could change completely in three months, depending on your financial activity. Also, scores can differ from bureau to bureau, but the difference won’t be more than a few points assuming all the information on all three is accurate.

At . a generic representation is available that shows how credit scores are measured. Remember, lenders may have their own scoring criteria and requirements. Even though you have a good credit score, you can still be denied credit based on the lenders discretion.

Credit score rating example:

720 – 850 Excellent 690 – 720 Good 650 – 690 Fair 350 – 650 Poor 000 – 349 No Credit

FAQ – Bad Credit Loan Center #credit #rating #scores

#loan with bad credit

FAQ Frequently Asked Questions

Bad Credit Loan Center ™ has gone above and beyond to ensure your information is never exposed.  We have taken the following security measures to ensure you are completely protected.

a. You will notice the (s) on (https). This means that page has a positive SSL security certificate from COMODO that uses 256bit encryption. This is the Fort Knox of SSL security and encryption, it doesn t get any better.

b. On the actual loan form you will notice a gold lock symbol. We have taken security to it s maximum potential by having the loan form VeriSign SSL Certificate certified and SecurityMetrics verified. Any information passing through this form is encrypted and impossible to penetrate.

c. As a third layer of protection our entire website has been independently verified and confirmed to be secure by TrustGuard. This verification includes a security, privacy and business certificate.

How Much Can I Get Today?

A cash advance is a loan ranging from 100.00 1000.00 dollars.

Yes, 99.9% of the time you will qualify for a loan.

  • If you have had your current job for at least 90 days
  • If you are 18 years or older
  • If you take home at least 1000.00 dollars per month
  • If you have a bank account
  • If you have a work phone number, home phone number and valid email address

It s that simple!

How Do I Collect My Loan?

Easy, once you are approved your cash will be electronically deposited into your checking account.

How Long Does It Take?

It takes about 3-5 minutes to complete the application and most loans are funded by the next business day.

How Do I Repay My Loan?

You will discuss the repayment terms with your lender and the agreed upon amount is automatically withdrawn from your checking account. You don t even have to think about it.

What s My Interest Rate Going To Be?

Your interest rate will depend on your unique situation and you can discuss this with your lender when he/she contacts you.

What if I Can t Make My Loan Payment on Time?

No problem, just contact your loan lender before your payment is due to set up an extension plan.

Go here to get your loan.

What Does Bad Credit Loan Center Do?

Bad Credit Loan Center provides a payday loan matching service. When you complete an application your details are sent in real time to a pool of lenders who will review your application. If one of the lenders can offer you a loan you will be notified upon completion of the application.

Will My Credit be Checked?

Lenders may at their own discretion check your credit.

I Still Have Questions

You can use the contact form here to drop us a line. If you still want to learn more you can review our privacy policy. tos , rates and about us  for more information about

Fair Credit Reporting Act #credit #card #for #people #with #bad #credit

#what is the fair credit reporting act

If you are confronting some personal constraints due to no money, submit an application with lending products for Fair credit Fair credit reporting act reporting act unemployed for swift loan assist.

At this sort of moment, the money alteration providers develop many suggestions of transaction with that you can avoid the property foreclosure.

Unemployed Same Day Loans

You could Fair credit reporting act apply for the money as outlined by your Fair credit reporting act comfort and paying ability. Applying on the web is easy and simple and thought to be secure and rapidly.

It is possible to pay the balance of your superb charges, plan trips, purchase a car, bring redecorating, pay marriage ceremony charges and various this sort of obligations can be easily met.

Unemployed Same Day Loans

Regretfully plenty of, anyone every year some sort of fiscal troubles throughout time. Whilst still Fair credit reporting act being if you have question with this details then lookup on the internet about lending options for laid-off.

Unless you are eligble for a mortgage home loan modification and they are through financed giving you residence look into the Property Affordable Refinancing Method.

FHA First Time Home Buyers #free #credit #report #gov

#buying a house with bad credit

First Time Home Buyers With Bad Credit

Though not originally created for first time home buyers, the FHA home loan program may in fact be the best option for a first time buyer. FHA loans have four very attractive pieces that seem to work well for first time home buyers. First, low down payment requirements of only 3.5% of the purchase price. Many times people sell a home giving them their down payment, but of course that would not be true for a first time home buyer. Low down payment is a big plus. Second, FHA loans, called the bad credit home loan for years, allows for lower credit scores than do conventional loan programs. This is often times very helpful for the first time home buyer. Third, low interest rates. The rates that are available for FHA loan programs are just as good as conventional loans. And finally, low closing costs. The cost to close an FHA home loan can be less than other programs, and the seller can help by paying a portion or all of them for you.


Realtors are a wonderful and needed resource for first time home buyers, and anyone in the home buying process. Realtors are your advocate in the loan process, have resources to help you like home inspectors and contractors, will work to get you the best deal for you, and have access to lists of homes for sale. Should you use a realtor? You bet, and one nice thing is that they are paid by the seller, not you the buyer.

The bank will require an appraisal, whether you are a first time home buyer or not. The bank seeks to verify that the home is worth what you are buying it for, and that is done with an appraiser that they choose. You will be charged for the appraisal as part of the cost to buy the home, so it is a fee you cannot avoid.

Home Inspection

Having your home inspected by a licensed professional is a really good idea for the first time home buyer. The fees range from $150 $500 normally, and is one of the better investments that you can make before buying the home. The home inspector will investigate the home top to bottom and point out any issues that may exist, this will help you in three ways. One, you need to know what to do with the house if you buy it. The inspector will provide a nice punch list for you. Two, the items that need repair give you reason to negotiate the price of the home, and you can ask the seller to fix them, or lower the price. Three, if the items are too large to overlook, you just saved yourself money and perhaps years of effort on a house that is not worth it. The home inspection is an important part of the loan process for any first time home buyer.

FHA Bad Credit Refinance #premium #credit #cards

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FHA Bad Credit Refinance

You have a home that you are making payments on so you should always be aware of the market surrounding that home. Are better interest rates available at this time? Is a lower payment a good thing now? Should I look at shortening the term, paying the house off faster? These are questions that the homeowner (after one year of ownership) needs to be asking themselves at least once a year, if not more frequently.

The past few years in particular have netted many people many wonderful options. People have been able to drastically reduce payment, interest rates, and terms of their loans all at one time, making it one of the best times in recent memory to refinance your loan.

It is not too late in any way to take advantage of an FHA refinance, in fact it is still as good of a time as any in history. FHA loans have quickly become known as bad credit home loans, the requirements for credit score are lower for FHA than any other loan product, allowing those with bad credit to refinance. Because the government is insuring the loan, not only are the bad credit refinance options available, many times there cost to refinance is less as well.

GET STARTED NOW FOR AN FHA REFINANCE – your specialist is an expert in FHA bad credit refinance

Two options available to those seeking a refinance, of what must be your primary residence.

FCRA Summary of Rights #free #credit #reports #no #credit #card

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FCRA Summary of Rights

Published 12/30/2009 02:06 PM

Updated 04/13/2015 03:33 PM

What is the Fair Credit Reporting Act?

The Fair Credit Reporting Act (FCRA) is a federal law that regulates how consumer reporting agencies use your information. Enacted in 1970 and substantially amended in the late 1990s and again in 2003, the FCRA, among other things, restricts who has access to your sensitive credit information and how that information can be used.

Summary of Rights

The FCRA is a complex piece of legislation and contains numerous provisions not discussed on this page. Below are several important features of how the FCRA is designed to help consumers (for the complete text, visit the Federal Trade Commission ). The FCRA protects you by requiring consumer reporting agencies:

Disclose your credit file to you upon request. Consumer reporting agencies must provide you the information in your file if you request it and provide the agency with proper identification. See “How do I get a free report? ” for more information.

Limit access to your information. A consumer reporting agency may not provide your credit report to any party that lacks a permissible purpose, such as the evaluation of an application for a loan, credit, service, or employment. Permissible purposes also include several business and legal uses. See “Who can access my Equifax credit file? ” for more information.

Get your consent before providing your information to an employer. A consumer reporting agency may not provide your credit information to an employer or potential employer unless you first give that employer written permission to request your credit report.

Investigate disputed information. If you tell a consumer reporting agency that your file contains inaccurate information, the agency must promptly investigate the matter with the source that provided the information. If the investigation fails to resolve the dispute, you may add a statement to your credit file explaining the matter. For more information, see Correcting Errors in Your Report.

Correct or delete inaccurate information. A consumer reporting agency must correct or, as the case may be, delete from your credit file the information that is found to be inaccurate or can no longer be verified. The consumer reporting agency is not required to remove accurate data from your file unless it is outdated.

Delete outdated information. In general, negative information that is more than 7 years old (10 years for bankruptcies) must be removed from your file.

Remove your name from marketing lists upon request. Consumer reporting agencies can provide lists of consumer names and addresses whose credit information matches the requirements of creditors and insurers for making firm offers of credit or insurance to the consumers on the list. However, you can request that the three nationwide consumer reporting agencies not share your information with creditors and insurers for these purposes by calling 1-888-5-OPT OUT.

Disclose your credit score to you upon request. You have the right to request a credit score about you. For Equifax, the cost of your credit score disclosure is $7.95. In some mortgage transactions, you will get credit score information without charge by contacting the person making or arranging your loan for further information. To request your credit score from Equifax, please contact:


Equifax Information Services LLC

PO Box 105252

Atlanta, GA 30348

Add identity theft and active duty alerts. Identity theft victims may place fraud alerts and active duty military personnel serving away from their regular duty station may place “active duty” alerts to help prevent identity theft. See “What is a Fraud Alert ?” for more information.

Remedying the Effects of Identity Theft. If you are, or believe that you are, the victim of identity theft, you have specific rights under the FCRA. These rights will help you deal with the effects of identity theft. Click here to view a brief summary of the rights designed to help you recover from identity theft.

Fast Help for Bad Credit Loans – New Offer from Introduces Quick, Safe and Hassle Free Process – The Business Journals #apply #for #a #credit #card

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Fast Help for Bad Credit Loans – New Offer from Introduces Quick, Safe and Hassle Free Process has introduced a reliable network of efficient and pre-screened lenders that are capable of assist for approval of bad credit personal loans for amounts up to $3000 within a few hours of applying.

PR Newswire

DALTON, Mass. June 14, 2013

DALTON, Mass. June 14, 2013 /PRNewswire-iReach/ — has just made an announcement of a service assisting people to search for source offering credit approval with any credit rating from their large network of trustworthy lenders .The worldwide economic slowdown has caught people unawares, making them default without actually intending to do so. This has resulted in tarnished credit reports, which leaves them with few options of getting any further credit assistance from the traditional channels like the large banks and financial institutions. However, emergencies continue to occur in spite of a poor credit score and people are often troubled thinking about the funding options available to them to take care of the financial crisis.  Interested people can visit company’s new service here.

This could be any unforeseen circumstances like medical expenses, educational burden, a long-awaited family vacation or even that urgent plumbing repair, which makes it difficult to put off the expense till one has accumulated enough funds. For situations like these, has introduced a network of highly efficient online lenders that offer bad credit personal loans with high approval rates. The interested customers can apply through a very easy application form available on the website.

Though there are numerous alternate channels available for bad credit loans, the reliability of the lenders is often a big concern for the borrowers. Hence going with a trusted credit matching service like introduces the borrowers to a wide network of reliable, pre-screened lenders that offer easy processing and quick approval for bad credit personal loans. The borrowers can fill up a single application form that the borrowers can access from the comforts of their home or office almost at any time, all they need to have is a PC with an internet connection. A single simple application form also reduces the need to repeat the process for the multiple lenders. introduces the borrowers to only relevant lenders that meet the requirements of the specific borrower, which an interested individual can access by filling up the form here:

Borrowers can get bad credit personal loans by filling up basic personal details like name, age, citizenship, address and more importantly the income details, as the thrust is less on the borrower’s credit history and more on their ability to repay the loan installments regularly.  This reduces the need for complicated documentation normally required for processing traditional loans. These loans apart from helping people meet the financial crisis; their regular repayments can even be a step towards repairing the credit history of the borrower. The online process is simple, quick, safe and saves the embarrassment of sharing personal details with strangers. This process is almost instantaneous and hassle-free when compared to the traditional brick –and-mortar lenders

The lenders are also pre-screened and hence the offers quick processing and almost 100% approval rate. Most times the approval comes within a couple of hours of applying for a loan. The lenders give a detailed terms and conditions along with their approval, so that the borrower can review the offer carefully, before going ahead with the loan deal.

Company is a sure shot way to wriggle out of any financial crisis, in spite of a poor credit history. So go ahead and apply right away!

To know about the best bad credit loan offers available, visit This is a one stop shop for all credit needs of the borrowers since its inception in 2011.

News distributed by PR Newswire iReach:

SOURCE Guaranteed Credit Loans

FHA – Bad Credit Home Purchase Loan #card #credit

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FHA Secure

First-Time Home Buyer

A Home of Your Own



Rent or Buy


FHA Fixed Loans


Disaster Victims Program


FHA Secure

Cash Out

Debt Consolidation

Rate Term


About the FHA

Eligible Properties

Ineligible Properties

Payday Loans Online – Get up to $1500 Payday Loan – Apply Online NOW – Instant Decision – Bad Credit OK! #find #credit #score #free

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It s guaranteed to happen to anyone sooner or later. Payday is coming, but an urgent situation requires money that just can t be secured right now. Luckily, you will find places out there to help in these issues easily and quickly offering you a pay day loan option. A payday loan, often known as a money advance is exactly what it would seem; a small loan given with the assurance to pay it back when the next pay day arrives. Obtaining necessary funds quickly could not be easier.

There is no credit check necessary to get a loan. What you need is usually a photo ID, recent month s bank statement, stub of your pay check, a legitimate checking account along with a blank check.

When it comes to the payday loans, you will need an application completed with various personal data like your name, place of residence, phone number, and so on. You will likewise be asked for a minimum of three references. The consumer service agent will require duplicates of check stub, the bank statement, as well as photo to put on file.

As soon as all the personal data is supplied and typed into the computer, you will get a check written for the wanted sum of the loan in addition to the interest that is to be paid on payday. Every state has restrictions how much you can borrow or advance. Usually checks may be written for at least $25 with the highest being $300. Despite state mandates, institutions can vary upon what the maximum sum can be allowed.

The company can give the client the amount of money without the interest written on the check. Sometimes, they can issue a check to the client that they may cash at the bank. The client s personal check is going to be kept until the following payday.

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How We Work With Bad Credit

FHA mortgages have always been the alternative to risky subprime mortgages. The underwriting guidelines for FHA mortgages are very flexible and as a result when your personal loan officer takes your applications and tries to approve it they will receive a response from their underwriting system on if you are Approved, Approved with Conditions, or Not approved.

Also no matter what your score you can get the same rate as someone with excellent credit who also applies for an FHA loan which means no matter what your credit grade you will be saving money.

Being approved with conditions can be as simple as making one of your credit cards current, or maybe a line of credit is still reporting after being closed. There can be a multitude of reasons and the situation is different for everyone. This is essentially your path to homeownership. Your loan officer will inform you on the conditions and it is up to you to meet them.

FHA has released guidelines on credit scores – with a 580 score considered to the be the minimum for approval without conditions. You can still get approved for a mortgage below 580 down to a 500 score but you would need to put a much greater downpayment and possibly resolve any issues around federal debt such as student loans that need to be made current before you can enjoy any FHA financing.

It is also important to note that many banks often have their own specific guidelines for FHA products. We try to match you with the best lenders that can help you.

In the lending industry anything below 640 is considered adverse or bad credit. Since we work with FHA loan officers which have access to these products that lend below 640 we are showing you a path to homeownership even if you have bad credit. There are limits on how bad your credit can be – for anyone below a 500 score there are no options until you can improve your credit.

For more information on how you best get a mortgage with bad credit ask your personal FHA loan officer about your path to homeownership.

FICO Introduces New Way to Get Your Credit Score Totally Free #free #credit #report #by #law

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FICO Introduces New Way to Get Your Credit Score Totally Free

I f you ve recently tried to pull your own credit score, you know that it can get expensive. On the website, copies of your FICO score can cost anywhere from $19.95 to $54.85, depending on whether or not you want to see separate scores from all three major credit bureaus.

Since FICO is the score most lenders use to asses creditworthiness, this is the score you should be most concerned with when checking your own credit. But those high costs can certainly be prohibitive. But this is all about to change. Recently, FICO announced an innovative new program that will get free FICO scores to 25 million Americans within a year.

The FICO Score Open Access Program

In an effort to better serve and educate customers, FICO is inviting lenders to participate in its Open Access Program. Currently, Barclaycard US and First Bankcard the credit division of the First National Bank of Omaha are participating in the program. But FICO hopes to get many more lenders signed on quickly.

The Open Access program works by giving consumers a completely free copy of the credit report pulled by participating lenders. So right now, if you apply for a Barclaycard in the United States, you can get a free copy of the FICO score and report that Barclaycard uses to assess your creditworthiness whether they ultimately approve your application or not.

In the past, you could get limited access to your credit score if a lender turned you down for credit because of information in your credit file. But these reports sent by lenders contain minimal information. The Open Access program is different because it includes not only your FICO score, but also the top factors that affect your score, along with steps you can take to boost your score.

Joe Krakoviak, our press contact with FICO, says, This increased transparency and easy availability of the version [of consumers credit scores] most often used in credit decisions should further empower consumers with a better understanding of their credit.

More Good News for Credit Aficionados 

Even if you ve got great credit and check your credit report and score frequently. the FICO Open Access program spells good news for you, too. According to a 2012 report by the Consumer Financial Protection Bureau. the credit score you get when you pull your own report might be significantly different than the score your lender sees.

The CFPB notes that most of the time, credit reports sold to consumers are generated from a slightly different model than those used by lenders. In a study of 200,000 credit files, the CFPB found that in a substantial minority, different scoring models gave meaningfully different results.

About 73-80% of the time, different scoring models put consumers in the same credit-quality bracket. Nineteen to 24 percent of the time, however, a different scoring model would place a consumer in one category above or below their original category. A small minority 1-2% of consumers would be placed in a category two or more removed from their original placement.

In plain language, this all means that you shouldn t necessarily assume that you ll be approved for credit if the credit score you buy looks excellent. Through FICO s Open Access program, you ll be able to see the actual score that potential lenders use.

FICO s Open Access program certainly won t solve all your credit problems, but it can give you more insight into what creditors actually see when they look at your credit file. Of course, you can only get your Open Access report from participating lenders, which will hopefully include more than just Barclaycard and First Bankcard.

For now, there are several ways to get a glimpse of your credit score for free, even if the scores aren t exactly what creditors will see. But be on the lookout for lenders who participate in FICO s Open Access program.

Finally, you can get your FICO score based on data from Equifax without charge if you sign up for a free 10-day trial of myFICO s Score Watch .

Barclaycard Arrival Plus World Elite MasterCard offers 40,000 bonus miles when you spend $3,000 on purchases in the first 90 days — that’s enough to redeem for a $400 travel statement credit. You’ll earn 2X miles on all purchases and get 5% miles back to use toward your next redemption, every time you redeem for travel statement credits. The card also offers 0% introductory APR for 12 months for each balance transfer made within 45 days of account opening and complimentary online FICO credit score access. Apply Now or read the Barclaycard Arrival Plus World Elite MasterCard review .

FHA Loan Tips for Improving Credit #business #credit #report

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FHA Loan Tips for Improving Credit

Track Your Credit Score and Stay on Top of Problems

While FHA loans are known as a great service for people looking for help buying a house, applicants can make the process even easier if they take steps toward ensuring their credit history is in tip-top shape. The agency advises prospective home buyers to approach FHA loans with their best possible credit history to eliminate any potential risk of not qualifying.

Whether you’re looking for a loan to mortgage a new house or to refinance a house you already own, it makes the most sense open up all your options with an optimal credit rating. The FHA recommends having a satisfactory payment history of at least one year before applying for a loan.

Credit Tips for Your FHA Loan

Here are some tips to help you on your way:

FHA Loan Articles

The new HUD 4000.1 handbook includes new rules about existing policy, revised language for some loan rules, and other changes. Has qualifying for an FHA mortgage under the new rulebook changed?

There are many myths people have about FHA home loans. One is the nature of the required FHA mortgage down payment or maximum financing available. The borrower is required to make a minimum down payment on all new purchase FHA mortgage loans (3.5%).

Some wonder: does being a co-signer on someone else s financial obligation might affect an applicant s chances for FHA loan approval? Does being a co-signer have any influence on how the lender views your credit or debt-to-income ratio?

It can be easy to get confused over the difference between lender requirements and FHA refinance loan standards–did you know that FHA loan rules for Streamline Refinancing permit the lender to require things the FHA rules don t insist upon?

In April 2015, the FHA and HUD changed some of its policies in order to help FHA borrowers avoid foreclosure and keep their homes. No FHA loan applicant goes into the home loan or refinance loan process expecting to default on their mortgage payments sometime in the future.

Fico Credit Scores #borrow #money #with #bad #credit

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Someone can utilize the money for assembly one of the wanting Fico credit scores to requires like meeting unexpected medical facility bills, choosing unique getaways, education charge of your youngster, huge electricity bills etc. Guaranteed, you can download some software package and try to method the records on your own, why? Do you reckon your family will enjoy additional money carrying out all Fico credit scores this operate oneself? However, with all the it normally takes to perform financing alteration, you re paying out your complete time (and capital) with your staff members.

Seeing the gravitational forces on the circumstances and determining the unbound advancement possibilities of low credit score and not working owner of a house financing business enterprise, liberalised insurance plan implemented the UK monetary sector.

The collector typically are not able to file suit you if the house foreclosed Fico credit scores is just not plenty of to pay the credit took out, it is actually the creditor s (poor) success. This is due to danger the lending Fico credit scores company is impact in affording personal loan to this type of human being.

You can get these personal loans for out of work persons on the web.

Find No Credit History Credit Card Offers #credit #card #settlement

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Compare No Credit History Credit Card Offers

Best Prepaid Cards for Bad Credit:

Usually you can find a no history deal among the best student no online applications for students – the best variant for those who haven’t got any bank cards yet.

Get acquainted with the best online applications for the no score deals to start you history with. People who have no score, but want to establish one, can use our help or make secured credit card application at our partner’s site. Remember, these deals usually imply a credit limit. Later it’s possible to improve it and pretend to the more attractive terms and conditions.

When you are going to file an online application, the type of no score deal depends on your situation. If you’re a student, choose the appropriate online application and benefit from the best bank products for students. If you’re not, no history deals with a co-signer may be your best choice. In this case the offers for people with no history guarantee the co-signer will be responsible for your debt. If the debt is unpaid, it will leave a negative mark on your ex-no history.

Make a step by step comparison of the terms and details of different products, determine what options and benefits you’d like to enjoy. Make your choice and apply online!

Pay special attention to the new online applications, among which you can meet the most permissive offers for no credit.

Choose the most suitable and available variant for you and start to build a reliable history. Remember that paying off you no score deals you’ll be able to consider more favorable terms and options to improve your history. Find the most suitable variant for you and be sure to apply online.

Remember that paying off you no score deals you’ll be able to consider more favorable terms and options to improve your history. Find the most suitable variant for you and be sure to apply online.

At you can find new online applications and send one of them at once. It’s good form to apply for no score deals and be considered a reliable client. Feel free to insert our online application to obtain the product created right for you.

Card offers with no history have several benefits. To apply for the deals with favorable terms a person with no history may need a co-signer. Repaying the needed sums according to respective no deals you are on your way to a good score. See details about no deals presented at our site. It’s always important to turn to a bureau and find out which bank products you can exactly afford.

Besides the chance to establish your no score, the benefits include spending control because your drawback can influence your co-signer’s score. The best deals for no rating are as well helpful for students to watch the spending.

At our site we present a wide choice of online applications from the major companies and banks. Among them you are sure to find the most suitable and available for you. Spend some of your time on comparing and contrasting all the features of the deals you are interested in – it will help you to make the right choice. Apply online to strengthen your score! Fill out the online application right now!

Limited Credit Card Offers

If you want to establish good credit history, this section is the right address for you. Here you can find specially organized charts which will help you to choose the best product from the major companies and banks (Visa, MasterCard, and others).

We present Fair Credit Card Offers. which are rather beneficial for history improvement.

Wish to build good FICO score? Be sure to obtain one of Bad Credit Credit Card Offers.

Secured Credit Card Offers. that require a beforehand money deposit serving as collateral, can be a wonderful step to establishing a good history (with which all the most attractive deals become available).

Every client wants to get approved and not to be afraid of being turned down. Make an online application for one of them at and you won’t have to wait for the approval for a long time.

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Find Credit Cards Designed for People with Bad Credit Rating #credit #score #ratings

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Credit cards suitable for people with bad credit

As many as one in four people face problems applying for a credit card and it is not just the poor who can find lenders less than willing to help.

Anyone who has had credit problems in the past will find their options severely limited. Others might never have had credit before, but that in itself can provide a barrier to obtaining credit.

Fortunately there are a small number of credit card providers who won’t automatically reject you because of past financial difficulties. Through this site you can see which credit cards are aimed at people with a bad credit rating.

When assessing a persons application for credit, lenders look at two areas: the persons credit history and their credit score. A bad credit history will certainly amount to a low or poor credit rating, but a clean credit history, or none at all, is no guarantee of a good credit score either.

Since the economic downturn, lenders have become far more selective and are examining all aspects of an applicant’s credit history in greater detail. As a result, more and more people have experienced the frustration of turned down for a credit card. Even a minor discrepancy in an otherwise immaculate borrowing record significantly increases the chances of rejection.

Blacklist myth

Whether you’ll be accepted for a credit card will depend solely on whether the lender deems you to be too risky a prospect. Some lenders might say ‘yes’ to you while others might say ‘no’. There is certainly no list of people who shouldn’t be granted a credit card. Lenders will examine your credit file through a credit reference agency. The information contained on your credit report combined with the details you provide on the application will enable the lender to determine a credit score for you and this is what is used to identify the risk in offering you credit.

There is no single credit score for each person as each company has its own rules, placing differing levels of emphasis on particular pieces of information.

Bankruptcy, CCJs, defaults, arrears

Few lenders will consider credit card applications from undischarged bankrupts, and being declared bankrupt in the past will be a major obstacle. Serious problems such as county court judgements (CCJ), bankruptcy or defaults on a loan will stay on file for six years; bankruptcies and CCJs are a matter of public record, with details held by the courts.

Less serious, but still problematic is a history of missing payments on a personal loan, credit card or a mortgage. Mortgage arrears are given particular weight by lenders. A default – where a lender has effectively given up chasing repayments – is also extremely serious. Anyone in this situation will find it hard to procure further credit.

One or two late payments on a credit card might not be a problem. Typically, lenders will only contact credit reference agencies once an account has been in the red for some time, so being a day or two late with a monthly payment should not create a black mark. Lenders, though, are looking for habitual late payment which suggests the borrower is struggling to cope.

Multiple applications for credit

Multiple applications for credit, successful or not, can be an issue. Each time someone applies for a card, personal loan or a store card, a credit search is undertaken by the lender. Each search leaves a “footprint” on the individual’s credit reference file. This is not necessarily a problem, but too many footprints can trigger warning bells for lenders.

Higher interest rates with a poor credit history

A poor credit rating is likely to cost you money as your status will preclude you from access to the best credit card deals which are usually reserved only for people with an impeccable credit profile. People with a poor score or a blemished credit record, will be charged higher rates to compensate lenders for the increased risk they pose.

Credit cards with poor credit rating

The good news is some issuers in the UK offer a flexible assessment process which allows them to consider all applications fairly whatever the credit history of the applicant. Ultimately, the likelihood of being able to get a credit card depends on your own individual circumstances and whether the lender perceives you to be too greater risk.

Capital One’s Classic Visa Card is aimed at people with a bad credit history who might have been refused a card in the the past. The card is aimed at helping people strengthen and rebuild their credit history. The card offers credit of between 200 and 1,500, with no annual fee. The initial annual percentage rate (APR) is high, but may be reduced once you build up a steady payment record.

There are only a small number of lenders willing to accept individuals with past credit problems, with just a few credit cards for people with poor credit available in the UK.

Improve your credit rating

Although the so called ‘bad credit credit cards’ come with the drawback of high interest rates, providing you clear balances regularly and avoid falling in to the trap of missing payments and thereby compounding your situation, opening a credit card account can help you build, rehabilitate or repair your credit rating. It takes a while for your new credit history to gain momentum, but in due course, sensibly using a credit card will help boost your standing with lenders, making you appear more reliable and creditworthy.

Find Credit Score #payday #loans #bad #credit

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Know Your Score

By Mary Dalrymple | More Articles

When you left school, you probably figured that would be the end of grades, report cards, and disapproving comments scrawled in the margins of your term papers. What a cruel fate, then, to learn that another score follows you through adulthood.

That’s your credit score, and poor marks can do more than get you grounded. They can cost you a lot of money.

Your credit score is the result of a statistical computation meant to tell lenders whether it’s likely that you’ll default on a loan. The higher the score, the more trustworthy you’re deemed. This means your score will determine whether or not you can get a loan, and it will often determine the interest rate you’re charged.

If your score’s low, lenders will view you as a risky borrower. That means fewer will be willing to lend you money. Those who do will charge higher interest rates, costing you a lot extra over time.

What’s a good credit score? Fair Isaac. which issues the nation’s leading credit scores, marks individuals’ credit worthiness with score of 300 to 850. They report that the national median FICO score sits at 723. Half of us score higher than that, and half of us score lower. You’ll have three of these scores, one based on the information held by each of the three major credit reporting agencies.

Experian. one of those three agencies, also reports that the average American scores 673 in its version of a credit score, called the PLUS Score. That’s based on a representative sample of 3 million consumers. Their scores can range from 330 to 830.

What goes into a credit score? It’s not a random number picked by a faceless bureaucrat in a grey, concrete building (though many a borrower has often wondered whether that’s the case). Fair Issac has released some information about what goes into its FICO score. Here are the major components, ranked in order of their importance.

The first and most important component of your credit score reflects your payment history — whether you’re timely or tardy paying your credit and debt accounts. That includes credit cards, retail accounts, installment loans, mortgages, etc. Any information about past due accounts, delinquent accounts, and debts sent to collection will be factored in here. Any bankruptcies, judgments, suits, liens, and other items show up here, too. On the positive side, this portion will reflect your good behavior when you’re punctual. This factor accounts for 35% of your score.

Second, accounting for 30% of your score, is the total amount you owe to lenders. This portion compares the total amount of credit at your fingertips with the amount of debt you have outstanding. In other words, lenders want to know if you’re maxing out all your available credit. This section will also reflect the amount still owed on your installment loans.

Three other items count for smaller proportions of your credit score. One, comprising 15% of your score, is the length of your credit history. In general, the longer you’ve proved good creditworthiness, the better. The score looks, too, at the length of time since there’s been activity on each account.

Lastly, your new credit accounts and your types of credit accounts each comprise 10% of your score. Under new accounts, the score takes into consideration the number of recently opened accounts, recent inquiries, and your efforts to re-establish good credit if you’ve had payment problems in the past. The category examining types of credit looks at whether you hold credit cards, installment loans, a mortgage, or other types of accounts.

Dump all these factors in a big bowl with a pinch of salt, stir, and you’ll get your credit score.

How do you find out your score? You’ll have to pay for it. Although you’re entitled to free copies of your credit reports each year, the reporting agencies do not have to divulge your score without getting a little cash from consumers.

If you find you’re below average — and definitely if you’re heading toward the bottom end of the spectrum — you’ve probably got some room for improvement. The next part of this series will look at how bad credit can cost you; and then we’ll look at fixing your credit report to reap the benefits.

Browse through our Credit Center. where you can learn all about credit reports and how to care for your credit score. Or read these articles to find out why you should know your score, and how you can improve if you’re getting a bad grade.

For more credit Foolishness:

Our GreenLight newsletter will clue you in on all things relating to personal finance. Try a free 30-day trial today.

Fool contributor Mary Dalrymple has gotten too old to remember her SAT scores anymore and does not own shares of any company mentioned. She welcomes your feedback. The Motley Fool has a disclosure policy .

Find Credit Card Applications – No Annual Fee #credit #advisors

#no annual fee credit card

Applications for Best Fee Free Credit Cards For You

At you can easily compare applications for credit cards and choose appropriate no fee credit card application online, getting credit card application instant approval immediately, if available! Just choose suitable bank credit card application and apply for credit card online! Credit cards with no fee can be found among credit cards from MasterCard or American Express credit cards, as well as you can choose Discover credit card application to obtain no fee credit card.

Q: How to find a no-limit credit card?

You won t find a credit card with no limit but you can find a card with no pre-set spending limit. For example, the Citi Hilton HHonors Visa Signature Card does not have a pre-set spending limit but it does not mean unlimited spending. It means th[. ]

Luckily nowadays no annual fee credit card applications are available for almost everyone. There are cards for fair credit, cards for people with limited credit and credit cards for people with limited or no credit, in the last case bank secured credit card can be obtained.

No annual fee credit cards for fair, limited or no credit charge higher rates, but still you can find application for credit card, that will satisfy your needs. The luckiest excellent credit consumers, affording platinum credit card, can discover that their credit card with no fee is a gas credit card, a frequent flyer credit card and even one of hotel credit cards – all in one!

Applying for credit card with means 100% satisfaction with your bank credit card application. Consider our credit card applications thoroughly and choose no fee credit card application online, submitting credit card application right on the spot!

Among our online credit card applications you can search for UK credit cards and Belgian credit cards, compare business credit cards and apply for student credit cards, looking for credit cards with no annual fee. Analyzing credit card applications you should take in consideration, that offers of credit cards with no fee may change their conditions the following year. Thus applying for credit card compare applications for credit cards in the long run and apply for credit card online with us immediately.

At our site dozens of online credit card applications are waiting for your choice. Be wise and make perspective application for credit card and move to success with!

Best Credit Cards For You

Find tips to boost your credit score #tax #credit

#improve credit score

How to Improve Your Credit Score

Learn about the main factors that determine your credit score and how to upgrade it.

A credit score is a number that allows lenders to judge your ability to pay back loans, such as car loans and credit card debt. Lenders also use the score to determine if they should raise the credit limit on an existing account or even to decide what interest rate to charge on a new or existing loan.

What factors produce your credit score?

To create a credit score, analysts traditionally use information in credit reports. account histories, or applications. There are a variety of different credit scores a company can use to judge your credit worthiness, but most of them are based on the formula created by the Fair, Isaac, and Company, Inc. They are known as FICO scores . The top three credit bureaus Equifax. Experian and TransUnion each have their own version of devising a credit score for consumers. You can purchase your score from each of these three companies, but be aware that they may vary slightly from one another.

With a FICO score, the higher the number, the better the score. The scores generally range from 300, which is poor, to 850, which is excellent. According to FICO, there are five main factors that go into your credit score:

  • Payment History 35%

Shows how responsible you ve been at paying back money borrowed on time.

  • Credit Utilization Ratio 30%
    How much credit you re currently using relevant to the total available credit you have.
  • Length of Credit History 15%
    Shows how long you ve been using credit.
  • New Credit 10%
    Details how many times you ve applied for credit in the past 6 months to one year.
  • Type of Credit in Use 10%

    Do you hold the right types of debt and do you have diverse debt holdings?

  • Steps to improve your credit score

    When carefully examining the five factors, you ll notice that payment history and credit utilization are the largest percentages in the FICO formula. That means consistently paying your debt on time and efficiently paying debt off to keep it minimized will improve your chances of raising your credit score. A good rule of thumb is to only charge about 30 percent of your credit limit with any given lender.

    Also, don t apply for new credit cards just to have a better variety of cards. Apply only when necessary. And remember, you won t be able to improve your score if you spend money that you don t have – this leads to further debt and the inability to pay more than the minimum monthly payments on your cards.

    How much will a poor credit score cost me?

    Based on 2013 data from Experian, you ll notice a poor score can cost you thousands. This is based on a $26,500, 65-month auto loan:

    Find the Best Secured Credit Cards at #best #place #to #get #free #credit #score

    #best secured credit card

    The Best Secured Credit Cards in America

    If you have bad credit and want to get a credit card. it can be challenging to say the least. However there is one type of credit card you stand a good chance of being approved for. Secured credit cards are generally offered to all applicants, as long as they do not have any pending bankruptcies and they can prove their identity.

    Secured credit cards work much like normal credit cards, except that applicants must submit a refundable security deposit before an account can be opened. From then on, cardholders can make purchases and they will have to make monthly payments, just like with any other credit card. And when secured cardholders choose to carry a balance, they will also incur interest charges.

    Using Secured Cards to Build Credit

    The great advantage of a secured card is that it allows you to receive credit when no one will offer it to you. When managed correctly, this can allow you to build your credit so that you may eventually apply for a standard credit card. The most important thing to do when managing a secured credit card account, or any other, is to always make each month s payment on time. Secured cards tend to notify all three major consumer credit bureaus of your payment history, which will help your credit score, but only if you make timely payments. Fortunately, most secured card issuers offer a system to remind you of payments via email and text messages, so it can be helpful to take advantage of those tools.

    It s also important not to use up too much of your credit line, as high credit utilization can have a negative impact on your credit scores – aim to keep your balance at 10% or less of your available credit to maximize your credit-building potential. In fact, the ideal way to manage credit cards is to avoid interest by paying each month s statement balance in full. This advice applies even more so to secured cardholders, who have the opportunity to develop good habits as they rebuild their credit. When you handle your secured card account responsibly for at least a year, you may be able to qualify for a standard credit card – check with your issuer, as guidelines can vary.

    Checking your credit scores can help you track your progress as your work toward stronger credit. You can get two of your credit scores for free, updated monthly, on .

    How to Choose a Secured Credit Card

    When choosing a secured credit card, look for a product from a well-known card issuer you can also consider cards issued by the institution where you have a checking or a savings account. Next, you will want to carefully look over the fees imposed by the card, including any annual or monthly fees. Be sure to look at the standard interest rate as well as the cost of other types of transactions you might make including foreign purchases, and cash withdrawals. Finally, see what benefits the card offers including purchase protection and travel insurance policies.

    For this month’s Best Credit Cards in America. we reviewed many of the top secured credit card offers out there – weighing the terms, fees, features and benefits to determine which ones are the best. Here are our winners for the Best Secured Credit Cards.

    The Winner: Capital One Secured MasterCard

    Capital One achieves our top ranking by abandoning its annual fee.

    Why It Won: This is a rare secured card that offers a credit line larger than the cardholder’s security deposit.

    The Benefits: Cardholders submit a security deposit of $49, $99 or $200, depending on their creditworthiness, in order to receive an initial credit line of $200 $3,000. For example, the minimum deposit of $49 results in a $200 initial credit line. Cardholders also receive free access to their credit score through the use of their Credit Tracker website and app. Furthermore, this feature includes a what-if simulator to help you predict how different actions will affect your credit.

    The Costs: This card has a standard interest rate of 24.9% on purchases. There is no annual fee for this card, and no foreign transaction fees.

    1st Runner-Up: Harley Davidson Visa Secured Card from U.S. Bank

    Why It Won: With no annual fee and a rewards program, this card is much like a standard credit card.

    The Benefits: Customers place a deposit that becomes their credit limit. They can then receive benefits like auto rental collision damage waiver and automatic bill payment. Cardholders also earn Harley Davidson rewards points, but with no annual fee, this card is worth considering even if you aren t a fan of the iconic brand.

    The Costs: This card has an interest rate of 22.99% that applies to new purchases, cash advances and balance transfers, plus a balance transfer fee of 3%. There is no annual fee for this card.

    2nd Runner-Up: Wells Fargo Secured Visa Credit Card

    Why It Won: It has low fees and impressive benefits, which allows you to rebuild your credit quickly and easily.

    The Benefits: This card offers a complete range of Visa benefits including an auto rental collision damage waiver policy, roadside dispatch, as well as travel and emergency assistance services. Cardholders are also covered by a mobile phone protection policy that covers against theft or damage up to $600, with a $25 deductible.

    The Costs: There is a $25 annual fee for this card. The 18.99% APR interest rate is very competitive for a secured card.

    Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

    At publishing time, the Capital One Secured MasterCard is offered through product pages, and is compensated if our users apply for and ultimately sign up for any of these cards. However, this relationship does not result in any preferential editorial treatment.

    Note: It s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

    Comments on articles and responses to those comments are not provided or commissioned by a bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by a bank advertiser. It is not a bank advertiser’s responsibility to ensure all posts and/or questions are answered.

    Please note that our comments are moderated, so it may take a little time before you see them on the page. Thanks for your patience.


    I can honestly say I genuinely appreciate this site for it s valuable information and guidance; however, I don t agree with your #1 pick. Reasons being, the interest is 5% higher, the benefits/awards are business oriented. A 23% interest rate compared to an 18% interest rate is not negligible. Additionally, Wells Fargo s annual fee is one of the most affordable secured CC fees around, less than 5% interest over 12 months; but, mostly because the rewards are limited to the offering business.

    That is what is most important to me. Again, THANK-YOU so much for all you do with assisting our finances on this free site.

    Fitch Ratings reaffirms Springs – triple-A rating – Sun Sentinel #credit #card #application #form

    #credit rating

    Coral Springs has AAA rating reaffirmed

    Arun Sivasankaran Contact Reporter Forum Publishing Group

    Fitch Ratings, one of the three major credit rating agencies, agrees with Coral Springs’ view that its finances are in excellent shape.

    The agency recently affirmed the city’s AAA credit rating, the highest bond rating an organization can earn, with a stable outlook for its General Obligation bonds. The agency had given the city the same rating two years ago as well. According to Fitch, the city’s financial operations and reserve levels remain sound despite economic pressure that led to reserve draws in prior years.

    The city’s financial reserves, economic stabilization measures, strong debt service margin, and maintenance of stable financial and debt position were among the factors that influenced the decision. The credit rating will help the city save money in interest and credit enhancements, such as bond insurance.

    The city had, for many years, enjoyed a triple-A bond rating from all three agencies Moody’s Investors Service, Standard and Poor’s Rating Service, and Fitch Ratings. The city currently has a AAA-credit rating from Standard and Poor’s as well, but Moody’s downgraded the city to AA1, the second highest rating, in February 2014. Moody’s decision came as a surprise for officials and staff, as the city’s finances were on the upward curve then.

    The revised rating by Moody’s was due to a change in methodology, said City Manager Erdal Donmez. Aa1 is still a great rating; most private or public companies would love to have such a rating. For all practical purposes, having AAA rating from two agencies is all that you need.

    Donmez is hopeful that the city will soon get back to having a AAA rating by all three agencies. The city’s fiscal and economic conditions have improved since 2104, he said. All we can do is present the facts and figures, and hope for the best. We believe we are in very good shape; it is very gratifying that we have reaffirmation from Fitch Ratings.

    We’re proud to have Wall Street once again acknowledge the city’s commitment to long-range planning, Mayor Skip Campbell said in a press release. This credit rating confirms our stable financial position, and that has a tremendous fiscal impact for our residents.

    The triple-A rating from Fitch Ratings comes at a time when the city is toying with the idea of another public safety bond issue. The City Commission is expected to vote on the matter at its meeting this week.

    Copyright 2015, Sun Sentinel

    Fix my credit score #no #credit #credit #card

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    As a consumer advocacy law firm we are fully equipped and very confident that if you need assistance in working to repair your credit you have found the right partner. Our attorney led team responsible for working to repair your credit is comprised of some of the most experienced and dedicated professionals in the industry standing by ready to help you work to accomplish your goals. Your credit report and scores mean everything, so let s get to work!

    Finding Debt Consolidation Loans For Bad Credit #find #your #credit #score

    #bad credit debt consolidation loans

    Debt Consolidation Loans for Bad Credit

    Learn How to Find Bad Credit Debt Consolidation Loans

    Some readers who have bad credit mention unsecured loans as a means of consolidating their debt.

    In theory, it is possible to get an unsecured loan to consolidate debt. However, in practice, most people who want or need an unsecured loan to consolidate debt do not qualify for an unsecured loan. Why? Lenders want three things in a perfect borrower:

    1. Stable income
    2. Excellent credit history
    3. Low debt-to-income ratio

    Two items on the list, credit history and low debt-to-income ratio, trip up many people seeking a debt consolidation loan. This is a classic catch-22 situation.

    You wouldn’t need a debt consolidation loan if you have excellent credit and a low debt-to-income (DTI) ratio. If you need a debt consolidation loan then you probably have a high DTI and marginal credit.

    For these reasons, if you don’t have strong credit and are seeking a debt consolidation loan, you should look for a debt consolidation program or think creatively about a loan source.

    Home Equity Loan

    A home equity loan is a popular type of debt consolidation loan. Tighter lending guidelines along with a significant drop in property values in many parts of the country have made this kind of secured debt consolidation loan more difficult to obtain.

    A cash-out refi or a HELOC requires good to excellent credit, strong DTI, and most importantly, significant equity in the home. The days of 100% financing are gone; most lenders do not offer cash-out financing above 80% of your home’s value.

    If you have equity in your home and your DTI and credit score meet lenders’ guidelines, a cash-out refi likely offers you the lowest interest rate long term financing possible. However, there are significant risks to loading your home with debt.

    Peer-to-Peer Loan

    Peer-to-peer (p2p) loans are, as the name suggests, loans between people that are mediated by a third party.

    In some p2p loans, the borrower writes a proposal and investors choose whether to fund the loan. In other p2p loans, an intermediary funds the loan, combines the loan with others, and sells shares in the loans to investors.

    Two p2p loan resources you may want to explore are and Lending Club. See the peer-to-peer resource to learn more.

    401(k) Loan

    A 401(k) loan is a withdrawal from your account that you repay with a modest interest rate. The interest paid goes to your account. In other words, you pay yourself the interest.

    There is no tax consequence for a 401(k) loan that is repaid.

    The risk of a 401(k) loan is the tax penalty you must pay if something prevents you from repaying the loan as agreed.

    Not every 401(k) plan allows you to take a loan against your account. Check with your plan administrator to see if you can borrow and to make sure you understand all the rules.

    Improve Your Credit Score

    If you cannot find a loan that suits your needs, work on improving your credit score. No matter how low your score is, you can build a very good score in less than two years.

    The more you can increase your credit score, the better loan terms you will be able to obtain. There are many steps you can take to help improve your credit score. The most important thing you can do is resolve any outstanding delinquent accounts, then make sure to make all payments to your creditors in a timely manner.

    Having several accounts with long histories of timely payment should have a positive influence of your credit rating.

    If you do not have many credit accounts, such as credit cards, open some new accounts to help you build a positive credit history.

    Don’t carry large balances on your cards. 30% of your credit score is based on how much of your available credit limit that you use. While it is best to carry no balances, so you don’t pay interest, keep any balances below 30% of your credit limit, to protect your credit score.

    Not every 401(k) plan allows you to borrow from your account, so check with your plan administrator.

    Fraud Alerts and Active Duty Alerts #credit #check #companies

    #credit bureau fraud alert

    Fraud Alerts and Active Duty Alerts

    What is a fraud alert?

    A fraud alert is a notice added to your credit file that alerts creditors that you may be a victim of fraud, including identity theft and encourages creditors using the file to take certain steps to verify your identity prior to establishing any new credit accounts in your name, issuing a new card on an existing account, or increasing the credit limit on an existing account, if requests for any of these actions are made. The general purpose of this notice is for the creditor to confirm that the request is not the result of identity theft. There are three (3) types of fraud alerts: an initial fraud alert that lasts for 90 days, an extended fraud alert that lasts for 7 years, and an active duty alert that lasts 12 months.

    An initial (90-day) fraud alert indicates to anyone requesting your credit report that you, in good faith, suspect you are or might become a victim of fraud. When you or someone else attempts to open a credit account in your name, increase the credit limit on an existing account, or obtain a new card on an existing account, the lender should utilize reasonable policies and procedures to verify your identity. You may also request one additional free credit file disclosure.

    An extended fraud alert is similar to an initial fraud alert except that it lasts for 7 years and to verify your request a creditor should contact you via the telephone number or other reasonable contact method you provided to Equifax when you requested the extended fraud alert. An identity theft report showing that you have been a victim of identity theft is required to place an extended fraud alert. Also, you may request two additional free credit file disclosures, and your name is removed from preapproved firm offers of credit or insurance (prescreening) for 5 years.

    An active duty alert is another alert available if you are on active military duty. The active duty alert is similar to an initial fraud alert except that it lasts 12 months and your name is removed from preapproved firm offers of credit or insurance (prescreening) for 2 years.

    Generally, within 24 hours of placing an online alert request, Equifax will send your alert request to the other two nationwide consumer reporting agencies. The three consumer reporting agencies work together so that when you request an alert through one of the agencies, your alert request is sent to the other two agencies automatically.

    Equifax customers with an eligible monitoring product can enjoy free access to the Automatic Fraud Alerts feature. This feature allows you to enter your initial 90-day fraud alert request through the Alerts tab in your Equifax product. Your request is then referred to the other nationwide credit reporting agencies. Your fraud alert request will be automatically renewed every 90 days to maximize your protection. You may turn off the automatic renewal feature by simply revisiting the Alerts tab any time you choose, and selecting Deactivate .

    *The Automatic Fraud Alert feature is made available to consumers by Equifax Information Services LLC, and fulfilled on its behalf by Equifax Consumer Services LLC.

      Updated 10/28/2015 01:00 PM Answer ID 17

    Fix My Credit, fixing credit score, fixing my credit #free #credit #reports #and #scores

    #fix my credit

    Fix My Credit

    “Fix my credit” is a statement uttered by many consumers suffering from low credit scores. Many people tend to underestimate the importance of maintaining a good credit score. A low credit score can prevent you from getting a mortgage or car loan, or even landing a job. That’s why it’s important to fix your credit as soon as possible.

    At Best Legal Credit Repair, we can fix your credit by disputing all errors, inaccuracies, and negative items on your credit report. Negative items like charge-offs and collections can wreak havoc upon your credit and need to be disputed immediately. An average of 8-10 negative items have been removed from our clients’ client reports within three months of signing up! At Best Legal, we can fix your credit fast, in a matter of 4-8 months!

    Unlike several other credit repair companies, we offer personalized credit repair. We don’t use automated, computerized disputes. Everyone’s financial situation is unique, and we believe in tailoring each dispute to meet your needs.

    After you sign up with Best Legal Credit Repair, “credit repair ” will no longer be a sentence in your vocabulary. With our personalized and comprehensive credit repair programs, your credit score is bound to increase. Don’t let your credit suffer any longer. Fix credit today! Sign up now!

    Fixing credit score

    Is “how to fix my credit” something you ask yourself on a daily basis? Does your low credit score prove to be a huge impediment in your life? If you’re looking for how to fix your credit, Best Legal Credit Repair can help.

    Since our staff is fully educated in the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, in addition to working closely with an experienced consumer law attorney, we know how to dispute negative items on your credit report legally. The company has 15 years of experience in consumer advocacy and debt-related markets.

    Fixing your credit is just one of many services we provide at Best Legal Credit Repair. We also provide identity theft protection services and can help you open new credit lines (i.e. trade lines, unsecured credit cards, secured credit cards). New lines of credit will definitely help fix your credit by improving your credit utilization.

    Best Legal Credit Repair has a great team of credit repair specialists, who will be here to answer any and all questions you may have. We will follow up with you through every step of the credit repair process. After you’re done with our program, not only will your credit be repaired, but you will be fully educated on how to manage your own credit report in the future.

    At Best Legal Credit Repair, we have 100% client satisfaction. We’re so sure that we can take care of your credit fixing needs that we offer a money-back guarantee, in the unlikely event that you’re not satisfied with our services. There is no commitment and no hidden fees or charges. You can cancel anytime! Fill out our brief online enrollment form to sign up for your free consultation. It’ll take less than two minutes!

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    Fix My Credit #credit #report #agencies

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    How-To Guide: The Path to Perfect Credit

    By Motley Fool Staff | More Articles

    Achieving perfect credit may seem like a daunting task. But just as a journey of a thousand miles begins with a single step, the path to perfect credit is made up of small tasks that can eventually add up to big improvements in your credit.

    To get better credit, you first have to know where you stand. There are a couple of different ways that various financial institutions evaluate your credit.

    • Examine the permanent record of your credit history. Your credit report is available in a concise package, and you can get a free copy from the website. Once you have your report handy, it’s helpful to take a look to understand the information that credit reporting agencies have on you and your credit history.

    That’s where our Decipher Your Credit Report guide comes in. It goes through each section of a typical credit report, explaining what the information means and how it’s used in making credit decisions.

  • Check out your credit score. Instead of poring through pages of entries that detail every last credit transaction you ever took part in, one simple number can give you a general idea of how you’re doing.

    But where does that score come from? Our Secrets of Your Credit Score guide gives you an inside look at the workings of the FICO score, the most commonly used credit score. It’ll also give provide tips on what you can do to improve that number.

  • The path to perfect credit can be long and arduous. And once you get your credit in good shape, you can’t stop there; you have to maintain it, too. By understanding how your credit report and credit score work — and making sure the credit reporting agencies have accurate information about you — you can help ensure that your credit as good as it can be.

    For more on boosting your credit score, read about:

    Florida Credit Scores – Available for FREE #credit #report #check

    #my free credit report

    Florida Credit Scores – Available for FREE

    What is my credit score?

    Credit history and credit score reports are used by businesses and individuals to determine your overall viability in the financial market. Credit score ratings determine an applicant’s request to open a credit line, and credit reporting is also one of the best ways to check for and prevent identity theft situations that can wreak havoc on your financial life.

    How to Check Credit Scores in Florida

    You can order a credit history report a few ways. In Florida, the most common way is to buy online credit reports. Within the credit score estimator industry, there are two different products to choose from: VantageScore credit reports and FICO scores.


    FICO scores are administered by the FICO software company, a staple in the financial industry for decades. Checking credit scores with FICO requires you to visit the company’s website to purchase a credit check. Additionally, FICO offers instant credit reports as well as detailed credit bureau reports.

    Yet this is considered an expensive to most consumer.


    VantageScore remains the cheaper and equally informative option. By using a compilation of scores from all of the major credit report companies, VantageScore is a credit score calculator that generates an average credit score based on all your prior financial history. VantageScore can be obtained by Floridians for free through a variety of companies such as the credit score monitoring service Quizzle .

    Companies like Quizzle also offer extensive service options for protecting your credit accounts from identity theft, and can even help with improving credit scores. As credit score checks are such an important part of any financial undertaking, it’s recommended that you continue to monitor your account and learn the best way to get credit reports regularly.

    What is a good credit score?

    The best credit reports are dependent on the overall credit history of the individual. A credit score is a number on the credit score scale ranging from 300 to 850. The number is estimated based on a few factors, including:

    • Overall amount of debt owed
    • Length of time and types of accounts on a credit report
    • History of debt payments
    • Length of credit history
    • Number of recent credit score checks

    Floridian consumers are generally considered to have a good credit score if it is above 678.

    Who Needs a Free Credit Check?

    Most residents of Florida will need to obtain reports at some point in their lives. Whether it’s getting a student loan or simply getting a cellphone, Floridians need to know how to check credit reports. The most common reasons for needing to know your credit score include:

    • Opening a credit card
    • Purchasing a car
    • Obtaining a loan to open a business
    • Renting an apartment or buying a house
    • Obtaining car
    • Getting health insurance
    • Signing up for a cell phone plan
    • Installing cable and Internet
    • Getting household utilities

    A bad credit score can put these financial purchases out of reach or make them more expensive with high interest rates. If you find yourself in this position, start looking into credit report repair procedures immediately.

    How to Raise Credit Scores

    The effort to clean up credit reports can take some time. However, it is also necessary if you want to make any future significant purchases. To improve credit scores over time, start by hiring a reputable credit score monitoring service. Companies like Quizzle have established means of observing credit accounts, monitoring your credit score, and reporting new findings to you regularly. Other professional services offered by Quizzle include:

    • Credit score analysis
    • Reports on how your current activities are affecting your credit
    • Monthly credit reports
    • Monthly credit sores
    • 24/7 credit monitoring
    • A credit timeline, complete with key events
    • Credit report comparisons
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    Advertiser Disclosure January 29, 2015 by Gerri Detweiler

    Most people have a gut feeling about their credit it s either great, good or bad. But what is a bad credit score really?

    First, it s important to understand that there are many different credit scoring models out there and each may use a different scale or numbers to convey information. For example, all FICO score range between 300 and 850 with 300 being the lowest (or worst) possible score, while 850 is the highest (or best) possible score.

    The range for VantageScore credit scores has traditionally been between 501 and 990, with the higher number representing the strongest score. But the newer version, VantageScore 3.0, has a range of 300 to 850.

    The companies that develop credit scores FICO and VantageScore, for example do not decide which credit scores are good or bad. Nor do the credit reporting agencies that supply the credit reports that are used to create credit scores. Instead, it s up to individual lenders and insurance companies who use these scores to decide which scores demonstrate an acceptable level of risk.

    Why Is Your Credit Score Better Or Worse Than Most? See your free credit score, and find out how you compare to other Americans. No credit card required.

    They use them in a variety of ways, too:

    1. Determine the interest rate they will charge for a loan, or in the case of an insurance company, the discount they may offer on an insurance policy.
    2. Decide whether to extend credit, how much credit to approve, whether to increase (or lower) a customer s credit limit, or even to close a risky account.

    In a way, then, there is no such thing as a bad credit score, since the number itself doesn t mean anything until a lender decides how to use it.

    In other words, a credit score is only bad when it keeps you from whatever you are trying to accomplish, whether that is to refinance a loan, borrow at a low interest rate, or get the best deal on your auto insurance.

    But in the real world, there are some assumptions that can be made about credit scores that fall into different ranges. When you are reviewing a credit score where the range runs from 300 850, you can generally assume the following:

    How does my credit score compare to others?

    • Excellent Credit: 750+
    • Good Credit: 700-749
    • Fair Credit: 650-699
    • Poor Credit: 600-649
    • Bad Credit: below 600

    Find Out Where You Stand

    You can check your credit score each month using s free Credit Report Card. This completely free tool will break down your credit score into sections and give you a grade for each. You ll see, for example, how your payment history, debt and other factors affect your score, and you ll get recommendations for steps you may want to consider to address problems. In addition, you ll also find credit offers from lenders who may be willing to offer you credit. Checking your own credit reports and scores does not affect your credit score in any way.

    These are very general guidelines but they are by no means set in stone! Remember, every lender is different and will decide for itself how it will use credit scores to make decisions. Also, what will be considered bad credit by one lender may be perfectly acceptable to another. For example, with many mortgages, the minimum score required may be a 620, while some credit card issuers offering low-rate cards may reject applicants whose scores are lower than, say 680.

    Comments on articles and responses to those comments are not provided or commissioned by a bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by a bank advertiser. It is not a bank advertiser’s responsibility to ensure all posts and/or questions are answered.

    Please note that our comments are moderated, so it may take a little time before you see them on the page. Thanks for your patience.

    I just got hit for 5 (so far) ITA fees (foreign transactions) for $15 each totaling $60, taken by the bank for petty eBay purchases as small as $4.55 (300% fee) paid through PayPal, even though my bank s only involvement was to send money to PayPal in a domestic transaction (the actual paying is done by PayPal).

    Seems the definition of international transaction isn t the only thing that has been changed – the fee is being charged even if your bank thinks that who they are transferring money to is going to use it for international payments. Clearly a fee gouge job, and the bank keeps quoting policy and regulations but will not furnish WHAT policies and regulations they are referring to.

    This ITA fee crookery has become so widespread, that the federal rules on international transactions have been changed effective October 31st – two months ago. My bank (your bank) cannot even process a foreign transaction unless they notify you of the fee and give you time to cancel it.


    My credit union (!) Visa card charged me 2% with an purchase made via PayPal. Is this legal if there has been no disclosure of this additional charge at the time of the transaction by either the company or by PayPal?

    I am sorry but I am not sure where you are getting that impression. Paid collections remain on consumers credit reports for 7.5 years regardless of whether they are medical collections or not. And I don t know what you mean about won by a consumer in the court of law. I am not following this either: Some of mine were sold before they were ever in default, but lo and behold, they are being treated as if they were in collections when they were never in collections. Did you post elsewhere? I am not familiar with that scenario. Gerri Detweiler

    I am sorry I didn t understand your question. (And yes, I read the article and wrote it!

    I guess what s confusing me is that you say you had collection accounts that weren t in default but had been paid in full. That s not a typical scenario so without knowing what exactly happened it s hard for me to comment on the credit reporting issues that resulted. Were you an identity theft victim perhaps?

    At any rate, the fact that you won the lawsuits wouldn t automatically remove them from your credit reports; the credit reporting agency would have no way of knowing what happened in the courts. Either the furnisher of the information would have to stop reporting it or you would have to dispute it. Sometimes attorneys handling these kinds of cases will make that a stipulation of the agreement, or the judge may order it. But again, without knowing the specifics of your situation it s hard to comment.

    I hope that s helpful.

    Vincentius Veritas

    I beIieve A Penny was referring to this article ( ) about recent changes to the FICO credit reporting. I venture to guess they believed they were responding to that article, hence their question for you regarding your reading of this article. Gerri Detweiler

    Ah thanks. It makes more sense to me now.

    A 73% debt to available credit ratio is high and can definitely hurt your scores. In addition, a collection account especially a recent one can drop a credit score significantly. Is it on your credit reports? If so then it is considered negative. We wrote about collection accounts here: The 7 Biggest Questions About Debt Collections Your Credit

    I have a question I have three credit cards one secure one retail and one regular credit card but my score always go down never up and I never miss a payment and my cards are kept under 20% why is that and how long does it take for a credit card to benefit my score instead of hurt it

    It s hard to know from what you are describing what the problem might be. Have you checked your credit reports? Here’s how to get your free annual credit reports. Credit scores are calculated from information in your credit reports, so it s important that those be accurate.

    Paying the collection won t help your credit score in the long run. Can you negotiate to have them not report it if you pay it? That would be ideal. If so, get it in writing.

    Don t close the accounts. That will make the ratio worse. It s looking at balances compared to available credit limits. If you can pay down your balances that should help.

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    AnnualCreditReport .com is a website jointly operated by the three major U.S. credit reporting agencies, Equifax, Experian, and TransUnion. The site was created. Site set up by the big three credit reporting agencies in the United States, to furnish free annual credit reports, as required by federal law. Date of availability. Do not contact the three nationwide credit reporting companies individually. They are providing free annual credit reports only through annualcreditreport .com. The Fair and Accurate Credit Transactions Act of 2003 allows consumers to get a free credit report every year from each of the three credit bureaus. The site’s name itself hints that the site offers free credit reports – and it does, but there are some strings attached. More Order online from annualcreditreport .com, the only authorized website for free credit reports, or call 1-877-322-8228. You will need to provide your name. Find out how you can get your free annual credit report. Every consumer should check their credit reports from each of the 3 bureaus every year.Feb 2, 2015 . You are entitled to a free annual credit report from each of the credit reporting bureaus. Also, learn how to get your free credit score from. Review your credit report often to make sure the information is accurate. If you see something on your report that you didn t do, it could mean you re the victim of. By federal law, each of the 3 major credit bureaus is required to provide you with one free copy per year of your credit report (though not your credit score ) upon.

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    Posted on: March 14th, 2008 by admin

    Most free credit reports include a credit score on them as well. Credit scores are numerical calculations that are supposed to indicate the risk that you will default on your payments. High credit scores indicate less risk and low scores indicate potential problems. Most credit scores range from lows of 300–400 to highs of 800–900. The biggest credit scoring company, Fair, Isaac and Company, estimates that about 40% of Americans have scores over 750. Anything over 750 is considered to

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