Archives: 2009 July
What a 700 Credit Score Can Do For You
July 31st, 2009, No Comments
Especially in today’s economy, you need your credit score to be high. But even if you see your score, it means nothing until you understand what category it ranks in and how that benefits you. So let’s say your credit score is 700. Is that good? In effect, yes, a 700 is good, but it’s [...]
Should You Sign Your Credit Card?
July 23rd, 2009, No Comments
When you receive a new credit card in the mail, your first instruction is to sign the back immediately. But you know there’s always a risk of fraud, with thieves constantly coming up with new ways to obtain your credit card number. At the risk that your actual card ends up in someone else’s hands, [...]
How to Stop Wage Garnishment
July 19th, 2009, No Comments
So you let one or a few of your debts get out of hand, and you ignored your creditor’s collection calls. Now you’ve been taken to court to settle the debt, and the court has resolved to garnish your wages. Once wage garnishment has been ruled, there is little that you can do to stop [...]
What Is a Credit Judgment and What Can You Do About It?
July 16th, 2009, No Comments
If you’ve had a credit judgment placed on your credit report, you already know what it is, and there’s really nothing you can do at this point. If you’ve received notice that you’re facing a credit judgment, you’re in serious trouble, and the time to act is now. A credit judgment means you’re being taken [...]
College Student Credit Cards
July 14th, 2009, No Comments
When you’re in college, you learn the value of free stuff, and you learn it because you have no money! So when pre-approval offers for credit cards get dropped in your mail, they can be quite tempting. A credit card account can be a great way to start building the credit you’ll need throughout your [...]
How Quickly Are Items Placed on My Credit Report?
July 12th, 2009, No Comments
When you know that you have negative information due to appear on your credit report, like a late payment or loan default, you may wonder how quickly it will actually be placed there. Some people insist that creditors are required to report to the credit bureaus once a month. But it’s also possible that if [...]
Does My Boss Check My Credit Report?
July 8th, 2009, No Comments
It may not come as a surprise to you that potential employers might check your credit report—it seems like everyone’s interested in your credit rating these days. So it seems fair to wonder if your boss checks your report after you’ve been hired. Depending on your line of work, the answer is probably yes. If [...]
How to Remove Bankruptcy from Your Credit Report
July 7th, 2009, No Comments
If you’ve had to file for bankruptcy, you know the detrimental effect it has had on your credit score. Even if it is a recent development for you, you’re probably already wondering how you can have it removed from your credit report. Bankruptcy Can Be Reported for 10 Years You should know that most negative [...]
Can Your Credit Score Lower Your Car Insurance?
July 4th, 2009, No Comments
You’re probably looking for as many ways to save money as possible right now, and car insurance costs are one place where most people start. You can use a lot of factors to your advantage, such as a good driving record, but can your credit score be used to lower what you pay for car [...]
The Best Credit Card Rewards Programs
July 1st, 2009, No Comments
Among people that have a credit card with a rewards program, the happiest customers are the ones that actually redeem the rewards. If that’s not you, your first task is finding the card with the right program for you, with rewards you can actually attain and ones you’ll be able to use. So which type [...]
