Tag Archive | "Credit Score"

Is Your Credit Score Good? 3 Reasons Why It Should Be

Sunday, May 12, 2013

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Have you ever worried about your credit score? Probably. Between the many ads advising us to get a credit report and the numerous articles found online about the importance of good credit, you probably are aware of how crucial a good credit score is. Determined by five different factors (your credit payment history, the amount […]

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5 Habits of Those with an 800 Credit Score

Saturday, September 22, 2012

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5 Habits of Those with an 800 Credit Score

The ever-elusive 800 credit score. We all know that a credit score of 800 means that you have almost perfect credit. We all know that that also means that, with an 800 credit score, there are a whole lot more opportunities that are open to you when it comes to credit and financing. But what […]

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Important Steps to Repairing Your Credit Score

Saturday, June 16, 2012

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Important Steps to Repairing Your Credit Score

Despite being something that most people never get to see, our credit scores these days exert a great deal of influence on our lives. That’s because anything we want to do to improve our personal and economic well-being, from job interviews to mortgage applications, car loans to credit card applications all involve someone checking our […]

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5 things to know about Prepaid Cards

Saturday, June 16, 2012

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5 things to know about Prepaid Cards

You may not have a choice Whether you like it or not, plastic cards are here to stay. Prepaid cards play an important part in day to day transactions, both large and small. Many people are forced to buy prepaid cards because of bad credit scores that is a direct result of bad financial planning. […]

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5 Financial Pitfalls all College Students Should Avoid

Wednesday, June 13, 2012

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5 Financial Pitfalls all College Students Should Avoid

As college tuition rates continue to rise across the nation and many college loan companies increase their interest rates, the cost of a college degree is becoming more expensive than ever before. Unfortunately many college students have to pay for most of their education through college loans and credit cards, which can financially haunt them […]

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Difficulties with Getting a Mortgage if you’re Self Employed

Monday, May 7, 2012

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Difficulties with Getting a Mortgage if you’re Self Employed

It is notoriously difficult to get a mortgage if you are self-employed. It’s certainly not impossible, but it is harder to achieve than if you are employed by someone else. And it has got even harder since the financial collapse of 2007, which was due in part to irresponsible mortgage lending. What’s more Self cert […]

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Simplest Ways to Increase Your Credit Score

Thursday, May 3, 2012

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Simplest Ways to Increase Your Credit Score

Your credit score is a number from 300 to 850 that summarizes your credit history. A score closer to 300 signifies to potential lenders that you don’t have a pristine track record, while a score closer to 850 means you typically use loans wisely and pay them back promptly. Because your credit score takes into […]

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Your Credit Score

Sunday, October 17, 2010

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Hey everyone, It’s James here to discuss a topic you’ve surely heard discussed a million times. Nonetheless, due to its importance, I desire to stress to NeedMoney readers the importance of maintaining a good credit score. For the uninitiated, your credit score (often referred to as a FICO score) is a number assessed to you […]

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New Rules Change Credit Card Fees

Tuesday, September 14, 2010

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More news about credit card changes in the U.S. The Federal Reserve set regulations for credit card issuers which limit penalty fees to $25. The average of existing penalties is $39, so this is welcome news for many card holders having trouble with payments. The rules do state, however, that there can be an exception […]

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How Credit Scores Are Made

Saturday, July 10, 2010

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How Credit Scores Are Made

Most people have become more cautious with credit recently, but there are some important uses for borrowing, and the deal you get depends on your credit score. To avoid surprises, it is important to know what factors make up credit scores and how heavily each one is weighed. History of Paying On Time (35%). The […]

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Getting Out of Your Mortgage

Monday, June 21, 2010

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Getting Out of Your Mortgage

The steep declines in residential real estate prices in many areas of the country have left myriad homeowners with mortgages which are far greater than the current market value of their homes. In this scenario, many homeowners feel like they are fighting a losing battle, and wonder whether they should just walk away and let […]

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How can you pay off your credit card debts?

Wednesday, June 16, 2010

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How can you pay off your credit card debts?

Are you unable to make timely payments towards your credit cards? Do you wish to get rid of them? If yes, you must immediately prepare a budget for yourself and determine ways by which you can save some amount each month to repay your bills. If your financial situation does not permit you to repay […]

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