100 Most Common Credit Score Questions Answered

Credit Basics – How to Use Credit Cards

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Build Credit – How to Build Excellent Credit

• Go Green – The Top 4 Environmentally-Friendly Credit Cards
  The movement to make your daily spending habits more green is increasingly gaining popularity and traction. Now there are credit cards that are considered to be environmentally friendly. Several banks and well known credit issuers provide these socially conscious accounts. … Read more
• The Top 5 Credit Building Cards for Your Retirement
  Retirement means a brand new lifestyle. If your new direction includes daily eating out, travelling, doing home improvements, or taking it easy, there are a variety of best credit cards for your newfound lifestyle. We look at these top credit … Read more
• The Top 5 Credit Building Cards for High Rollers
  High rollers are at that eviable stage in life where they enjoy being handsomely rewarded for their business. This is where the premium credit cards come in with their larger than life rewards. Higher rewards rates, travel credits, and richer … Read more
• The Best Credit Building Cards for Lower Income Earners
  In today’s increasingly digital world, credit cards are now a necessity. The good news is that they do not have to be a costly one. If you suffer from fair or bad credit, you may just be starting your credit … Read more
• What Are The Best Credit Building Cards For Families?
  If you find yourself with a new and growing family, it is a good bet that you will need credit cards that grow into this role alongside your newfound expenses and responsibilities. Such credit cards understand your new family’s needs … Read more
• The Best Credit Cards for Teens, Students, and Young Adults
  The best starter cards in these categories enable you to establish credit without having to pay dearly in fees or to give up all of your rewards benefits. Here we look at four of the top recommended cards in this … Read more
• What Are The Best Credit Cards for Starters?
  As a first time credit card user, the deck is stacked against you. These cards help you to overcome these sometimes seemingly insurmountable odds and establish a credit history. Such cards maintain minimal (if any) credit requirements and allow you … Read more

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Credit Score – How to Improve Your Credit Score

• When Should I Sell Items To Improve My Credit Score?
  Selling personal items to improve your credit will only help if this gives you more ability to pay down debt under the key 30 percent credit utilization immediately or to make your current and future payments on time. You are … Read more
• 3 Quick and Easy Approaches to Increase Your Credit Score
  How to Instantly Gain 20 to 30 Points to Your Score There are two things that you can do to easily and relatively quickly improve your credit score. By making all of your bill payments on time, the credit bureaus … Read more
• What You Should Know About Your Credit Purchases And Limits
  Your Credit Card Purchases Do Matter It matters significantly how much you rack up each month in credit card spending. Even if you pay it off by the due date, your creditor will report your balance for the month to … Read more
• Striving for Excellent Credit – Attain An Over 700 Credit Score
  According to The Motley Fool and FICO, around 23 percent of American consumers today possess a credit score of 800 or higher (out of a total 850 maximum possible points). This should encourage you to reach for a credit score … Read more
• The Top 10 Strategies to Build an Excellent Credit Score
  There are some strategies to building up good credit that you should follow to maximize your efforts. We look at the top ten of these next. 1. Borrow Only What You Can Afford to Pay For Remember that credit cards … Read more
• 13 Surprising Ways to Help Raise Your Credit Score
  Besides the top 15 ways to improve your credit score, there are a number of other useful tips you can follow to raise this measure of personal financial health. Some of these are simple things that you might not consider … Read more
• Top 15 Ways to Positively Impact Your Credit Score
  1. Choose a Secured Credit Card and Pay it Off Frequently Secured credit cards are great tools to help you build up (or rebuild) credit with the three credit reporting agencies Experian, Equifax, and TransUnion. By making a deposit of … Read more

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Credit Report – How to Get it Free And What’s Inside

• How Do I Remove Negative Entries From My Credit Report?
  The more serious the derogatory item on your credit report, the harder it will be for your credit repair company to get it completely removed. They will likely find that correctly reported collections and charge offs can only be removed … Read more
• How Do I Access Information from Specialized Bureaus?
  Besides the big three credit reporting bureaus of Experian, Equifax, and TransUnion, there are also some specialized consumer bureaus that contain important information which can definitely affect your finances. You can gain access to these if you need to. The … Read more
• How Can I Remove Foreclosure Remarks From My Credit Report?
  Foreclosures have a devastating impact on your credit report. The good news is that these are easier to get removed than other derogatory items. Lenders have made countless mistakes with foreclosures in the past, forcing some financial institutions to have … Read more
• How Do I Handle Bankruptcy on My Credit Report?
  There are two key ways that you need to handle bankruptcies on your credit report. Both of these involve tackling the bankruptcy head on instead of attempting to hide from it. One silver lining in a bankruptcy is that it … Read more
• How to Handle Medical Collections on Your Credit Report
  Medical collections are a pressing issue for many consumers today thanks to inadequacies in the health care system in America. Medical collections are those that specifically pertain to an unpaid medical bill. Such an account sent to collections will probably … Read more
• How to Clean Up Late Payment Remarks with Your Creditor
  You should avoid late payments on your credit report as much as possible. Even a single late payment of over 90 days notated can cause your credit score to drop from 90 to 110 points.  There are some things that you … Read more
• What is the Lending Act and Fair Credit Reporting Act?
  Understand The Truth in Lending Act The government passed the Truth in Lending Act back in 1968. It was intended to make sure that you the consumer are fairly treated by lending businesses. You must be correctly informed on the … Read more

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Credit Repair – How to Do it Yourself

• Three Ways to Protect Your Credit from Student Loan Debt
• How to Find a Reputable Credit Counselling Service
  One that will not harm your credit score! If you find that you have started living from one pay check to the next, or have become worried about keeping to a budget, then you should start seeking out a good … Read more
• How to Deal With Bankruptcy on Your Credit Report
  Sometimes events beyond your control (or mistakes that you made when you were younger and foolish) catch up with your credit and personal finances. At this point, it may actually be your best option to get a fresh start through … Read more
• How Do I Remove Negative Entries From My Credit Report?
  The more serious the derogatory item on your credit report, the harder it will be for your credit repair company to get it completely removed. They will likely find that correctly reported collections and charge offs can only be removed … Read more
• How Do I Remove Derogatory Items From My Credit Report?
  Getting specific derogatory items removed from your credit report is an essential part of credit repair and improving your personal credit score. There are four different ways to approach this successfully, and any good credit repair company will likely pursue … Read more
• The Top 5 Legitimate Credit Repair Companies Ranked
  It is always a good idea to go with one of the top credit repair companies to ensure that you get legitimate credit repair services at a fair price. To make finding these easier, we have ranked and considered the … Read more
• How to Find a Trustworthy Credit Repair Service
  The credit repair process is as much of an art as it is a science, and no two individuals’ time requirements will be the same. It will always require at the very least 30 days to do, but can easily … Read more

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Credit Protection – How to Safeguard Your Credit

• Three Ways to Protect Your Credit from Student Loan Debt
• How to Find a Reputable Credit Counselling Service
  One that will not harm your credit score! If you find that you have started living from one pay check to the next, or have become worried about keeping to a budget, then you should start seeking out a good … Read more
• How to Use Credit Counselling and Credit Protection Services
  There may be times when you need to avail yourself of credit counselling services to help protect your credit. This is nothing to be ashamed of, it only means that you have gotten in over your head with your revolving … Read more
• 7 Tips for Protecting Your Credit And Keeping Your Score
  Protecting your credit is a lifelong proactive task. Here are the seven steps that you should follow to help ensure that you do not suffer a loss of credit score points along the journey. 1. Keep Divorce From Destroying Your … Read more
• 10 Action Steps to Handle Identity Theft Effectively
  If you become a victim of identity theft, you will unfortunately be in nearly the majority with consumers in the United States today. In the last five years, around 48 percent of Americans have had their identities stolen, creating huge … Read more
• How to Use the Debt Snowball Method to Guard Your Credit
  If you have let your debt snowball out of control, then you will probably need to make use of an effective and proven method of paying it down like the Snowball Method. This method of liquidating debt was originally conceived … Read more
• How to Avoid Credit Collection Scams
  Many lenders and creditors rely on third party companies in the debt collection business to go after delinquent accounts. Credit card companies use debt collectors like these to pursue charged off accounts all the time. Many debt collectors who call … Read more

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