If you own a credit card, below are six practical steps on how you can manage your account more efficiently to avoid bad credit:
Learn how to manage your credit score and improve your creditworthiness Think of your credit score as a picture of your credit risk. This picture reflects your risk at a specific5px point in time. A picture does not change; however, when you take another one, you will probably look a little different. Similarly, when your..
Individual credit reports contain payment history and credit accounts along with some personal information such as full name, past and present residences, contact numbers, employment history, etc.
A higher credit card limit gives its holder the opportunity to charge more expenses while keeping credit-to-debt ratio at a low level. Nevertheless, a higher credit line may encourage unnecessary spending, increasing the risk of bad debt. Let’s talk about how credit cardholders can manage their limit more effectively.
If you have been the victim of identity theft, your credit report (and score) has almost certainly taken a hit. The good news is that improving your credit score following identity theft is possible. It might be challenging, but there are definitely ways to get it done. Obviously the credit bureaus and your creditors and..
Would you like to know why people are encouraged to order a copy of their credit reports from the three credit reporting agencies regularly? In this article, let’s talk about the importance of checking your credit report.
Do you know what credit report freeze is? Credit freeze was initially introduced in November 2007 and today, it has become a popular service to acquire protection against identity theft and fraud. In this article, let’s discuss the process of credit freeze so you can better decide whether you should freeze your credit or not.
Your credit report contains important information about you. It contains your full name, SSN, birth date, driver’s license number, past and present home addresses, and your employment history.
You’ve ordered a copy of your credit report and you’ve found several late payments listed under your credit history. These late payments will certainly pull down your credit score. As a result, you may find it difficult to get approved when applying for loans or credit cards.