Here are the truths behind some credit myths. Some of these myths have been going around for so long that everyone assumes they are the truth and use them when they are trying to fix their credit. Which backfires on them! Read on to learn more and check out our list of resources to help…
Here are simple steps that you can start doing TODAY to improve your credit score. Basically, if your credit score is below a 650, you want to start bringing up your score. A few years ago, getting an unsecured personal loan with a great rate only required a 680. But now more banks are looking…
Some people don’t check their credit report because they think that it can lower their credit score, but they are wrong. Your credit score only drops when a FINANCIAL institution pulls your credit. You can use any of the online credit report companies and pull your credit as much as you like and your credit…
Do you know where Credit Score is Sexy? Thousands of single men and women joined CreditScoreDating.com in search for responsible potential life partners. It appears that the latest criteria for finding a perfect date for Valentine’s might just be a good credit score. Knowing that credit scores are based not on how much you earn…
There is actually nothing wrong with checking your personal credit history regularly. It won’t affect your credit scores in any way. Why is this possible? The reasonable answer to this lies on the two types of inquiries. First is the result of your application for credit or any transactions initiated. When you apply for new…
Every 12 months, you acquire a free credit report. But do you pay attention to what’s in it? If not, better add checking it regularly in your new year’s resolution. As we welcome 2015, NewHorizon.Org gives you the basic facts that you acquire when you get free credit report. Your credit file or credit…
Don’t wait for the time when you’ll be denied of a loan or credit. Look into your credit report to avoid inaccurate or missing information in your credit report. It is important to check credit report to avoid raising your borrowing costs or even experience delays in making a major purchase. Here’s a list of…
Three out of ten American adults admitted that they do not know their credit score. Here’s another reason why you should check credit score regularly. There are certain occupations that regularly check an applicant’s credit score according to the Society for Human Resource Management (SHRM) on their report last 2012. These are as follow: 1)…
The credit review is divided into three evaluation timeframes. And alongside each time frame are little-known credit record facts that are essential to your understanding or your Credit Score. The three-time frames are 12 months, 24 months and 48 months. First Time Frame: Twelve Months This frame may be called the “Payment” frame; this usually includes…
Equifax, TransUnion, and Experian are the three major credit bureaus. Each bureau tracks information as to how consumers use their credit. For that reason, they individually have a database where they maintain consumers FICO credit scores. Having then three credit reports that usually vary, often becomes significant especially when consumers check their credits regularly. When…