Category Archives: Credit Tips
Don’t think that having no loans or debts will improve your credit score
Some people believe that owing no money, having no credit cards, and in fact avoiding the whole world of credit will help improve their credit score. The opposite is true – lenders want to see that you can handle credit, … Continue reading
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Contact creditors as well as credit bureaus when correcting inaccuracies in your credit report
When debtors find mistakes on their credit report, they often only contact the credit bureaus. While this is the most effective way to resolve the issue, you should in some cases contact the creditors whose account has caused a ding … Continue reading
Know the difference between soft and hard inquiries
When you pull your credit report to look at it, it is counted as a “soft inquiry.” Only “hard inquiries” from lenders will affect your credit score dramatically. Although checking your credit score too often is an expensive habit, you … Continue reading
Make sure you know who is looking at your credit report and why
Many inquiries look bad on your credit report, but more than that you likely want to know who can see your personal financial information, now that you know that your personal information is stored in a credit report. If you … Continue reading
8 Common Credit Score Mistakes
There are a few things that people do without realizing it that have a bad effect on their credit score. Follow these tips to avoid the common traps that can sink your credit risk rating: Tip #1: Beware of debts … Continue reading
Check your credit score regularly
You are more likely to notice problems and inconsistencies if you check your credit score on a regular basis – at least once a year and preferably three times a year. Be sure to check your credit rating with each … Continue reading
Practice safe banking, safe computing, and safe business practices
To stay safe from identity theft, always follow safe banking and financial practices: 1) Keep account numbers and PIN numbers safe. Cover your account and PIN numbers when using debit at the store and refuse to give your PIN number … Continue reading
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