How To Repair Credit For Change Your Life | Getting Your Credit Score – Bad Credit Credit Cards
If you have high scores, it follows that lenders will most probably give you very favorable rates. As a matter of fact, you can even ask for the best possible conditions there are. Having a score this good can almost assure you will be eligible even for big ticket items you are eyeing on. Lenders even let you borrow more than 80 percent of the value of your home without even requiring private mortgage insurance. You are seemingly going to get a home equity loan or line of credit with an interest rate equal to the prime rate, or even below it.Categories: Credit Score Videos Tags: Bad Credit, Cards, change, Credit, Getting, Life, Repair, Repair Credit, Score
The College Kid’s Guide To Student Credit Cards: Get Valuable Credit Card Tips On How To Use Credit Card For Students So You Can Build Good Credit And Develop Your Money Skills Early On In Life
The College Kid’s Guide To Student Credit Cards: Get Valuable Credit Card Tips On How To Use Credit Card For Students So You Can Build Good Credit And Develop Your Money Skills Early On In Life
College is where many of us get to enjoy our first taste of freedom and living pretty much in the manner that we desire. It is also the time where we get our first taste of the power of credit cards. Being new to financial freedom and its responsibilities, college kids are easily vulnerable to the enticements of credit card advertisements and decide to apply and begin using college credit cards for all the wrong reasons. Unwise spending and incorrect payment methods of course lead to accumulated interest charges that can end up being very costly. Misuse of student credit cards can seriously damage credit rating. Later on in life, you may be turned down for employment or be denied a loan to buy a new car or home. More seriously, your debts can add up that by the time you finish college you’re way in too deep in debt without any means of paying it off. A college credit card can be beneficial, but only if the college student remembers to use it correctly at all times. Student credit cards work the same way as any other credit card; they are loans that need to be paid back so responsible use is key to success. This credit card book is a guide to the young college student as well as to parents who are thinking about getting student credit cards. There are valuable tips and info on how to choose the right student credit card and how to use it as a financial tool to build good credit history which is necessary for adult life and to handle money properly which is essential for budgeting and living a debt free life.
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Restoring Your Good Credit: 101 Ways To Take Back Control of Your Credit And Get Your Financial Life Back On Track
Restoring Your Good Credit: 101 Ways To Take Back Control of Your Credit And Get Your Financial Life Back On Track
It’s Your Money, So Why Aren’t You In Charge? Bad Credit Putting A Crimp In Your Finances? It Doesn’t Have To Be This Way! Credit is a simple word, just six letters, but it controls your financial opportunities. How do you get good credit? Once you have it, how do you hold onto it? If your credit’s not as good as you’d like, you can restore it. Managing your credit is no different than managing the rest of your finances. It’s about controlling your money rather than allowing it to control you. It doesn’t matter if you’re looking for that first credit card or you’re climbing out of a difficult financial situation and looking to rebuild your credit … Restoring Your Good Credit provides the solutions to get you quickly on your way. Once you’re in the driver’s seat, you’ll be blown away with how simple it can be to reclaim your good credit. Most people know they should be managing their money better than they are … they just aren’t sure quite how to go about it. It doesn’t matter if you want to rebuild your credit or pay down your debt, nothing will happen until you take that first step. So get started the smart way … before another year disappears and your situation hasn’t changed … Restoring Your Good Credit Inside these pages, you’ll discover: – Which creditors you should pay first – When to pay your bills – If and when you should communicate with your lenders – Which credit cards to pay down first – If lowering your credit limit is the right thing to do – The dangers of introductory rates – The difference between a secured card and a prepaid card – What bankruptcy can’t do for you – What to guard against if you use a credit counselor – Why you need multiple bank accounts – And much more!
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Credit 911: Secrets and Strategies to Saving Your Financial Life
Credit 911: Secrets and Strategies to Saving Your Financial Life
- ISBN13: 9780470587614
- Condition: New
- Notes: BRAND NEW FROM PUBLISHER! 100% Satisfaction Guarantee. Tracking provided on most orders. Buy with Confidence! Millions of books sold!
A comprehensive guide to reclaiming your financial life
After the dramatic mortgage crisis and stock market collapse, people are beginning to recognize that the only way to secure their financial future is to take charge of their own spending and saving habits. You can survive this crisis, solve your credit problems, and move on to achieve your dreams, and Credit 911can show you how.
With this book, author Rodney Anderson-a mortgage banker with over twenty years experience reviewing real-life credit cases-shares his intricate understanding of what it takes to improve your credit score and financial standing.
- Outlines a practical approach to solving debt and credit problems, as pertaining to marriage, divorce, collections, borrowing, co-signing as well as overcoming foreclosures, short sales, and bankruptcies
- Shows you how to re-establish your credit and what lenders look for
- Reveals the tricks of credit card companies and how to set up a system to monitor accounts, track payments, comparatively shop for credit cards, avoid credit chasing, and maintain overall capacity
- Discusses how to pick the right realtor as well as the right lender, how to secure a mortgage, and to avoid overspending on insurance
We live in a credit economy. Our lives are governed by credit. Credit 911 provides you with a solid understanding of how this system works and offers timely tips on taking control of your financial destiny.
Amazon Exclusive: Top Ten Credit Facts You Should Know
Content from author Rodney Anderson
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1. Your credit score can affect your auto insurance rates more than your driving record. Contact your insurance agent to see if your rates are adversely affected. If they are, shop around.
2. When getting divorced, make sure your attorney has a copy of your credit report when negotiating who will be responsible for which debts. Also remember, just because a debt is awarded to your ex, doesn’t mean you’re not still liable, and your credit is still at risk.
3. When getting married, it’s imperative to review your future spouse’s credit report. Never say “I do” without full disclosure, or you’re headed for a marriage full of trouble. Financial secrets are a big red flag.
4. Pay your credit cards off in full (and don’t use them) 45 to 60 days before applying for a loan. This helps to maximize your credit score, providing you the opportunity to take advantage of the lowest interest rates available.
5. When you cosign for another person’s debt, you are equally obligated on the loan, and are committing to make the payments if they don’t. Think twice before co-signing for anyone.
6. Closing your accounts and cutting up credit cards is the fastest way to kill your credit scores. Understanding credit capacity is essential to managing your credit.
7. Paying off collections doesn’t necessarily boost your credit scores. Many times it has the opposite effect. Make sure you have a plan, and know the impact before you act.
8. The fastest way to reestablish credit after bankruptcy, foreclosure or other credit catastrophes is secured credit cards. Secured credit cards give people an opportunity for a fresh start.
9. Don’t fall for credit repair claims and “sounds-too-good-to-be true” advertising. Anything a credit repair company can do, YOU can do yourself. Don’t throw away your money.
10. Never open a department store credit card to save 10%. Retail store cards are provided through finance companies, and can wreak havoc on your credit scores.
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Categories: Credit Score Products Tags: Credit, Financial, Life, Saving, Secrets, Strategies