Posts Categorized: General Debt & Loan Consolidation Information

Top Ten Ways to Improve Your Credit Rating

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The American consumer has become overly dependent on easy credit. Credit cards afford many a prolifigate lifestyle that is not reflective of the ground realities. The American nation has truly become a credit card nation, where consumers pursue spendthrift policies not reflective of their true financial realities. Currently, in Davos, Switzerland, the World Economic Forum… Read more »

Climbing Out Of Debt With The Help Of Credit Counseling

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Consumers living paycheck to paycheck are the first to admit that falling into credit debt is no laughing matter: Merciless collectors hounding them, a tarnished payment history haunting them, and the specter of bankruptcy looming before them. Economically-stranded consumers oftentimes lack the wherewithal and tools needed to create a workable budget and manage their credit… Read more »

Repair Your Credit Report: The Critical Information

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Credit reports play a pivotal role in a credit card company’s evaluation of whether an applicant poses a positive or negative credit risk. Lenders extract from them personal data concerning prospective borrowers, as well as their income, debts and credit payment history. A credit report provides a profile of the cardholders’ financial life, and creditors… Read more »

11 Ways to Repair Your Credit Score

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Out of the blue, poor credit often sneaks up on consumers and strikes them like a bolt of lightning where it hurts most- in their pocketbook. The triggers for bad credit reports are diverse, ranging from unemployment, illness, and divorce to an insolvent business and irresponsible spending. A negative credit rating adversely impacts consumers across… Read more »

Improve Your Credit Rating – Effective Ways to Repair your Credit History

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Tarnished or damaged credit is a financially and emotionally-taxing event in the lives of consumers, and it mars their payment history. Constituting 35% of the credit rating, payment history is the leading factor in the calculation of a borrower’s credit score. Therefore, it becomes imperative for debtors with a blemished credit history to find a… Read more »