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Credit Score

Why Your Credit Score Matters

A credit score is a 3 digit numerical number ranging from 350-850 (FICO) which determines a person’s financial responsibility and credit worthiness. Payment history and credit inquiries are reported from credit lenders, to the 3 major bureaus (TransUnion, Equifax, and Experian) whom then generate a score depending on the lenders reported information. The difference between…

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VantageScore

VantageScore 4.0- The Newest Release

VantageScore is releasing their newest scoring model; VantageScore 4.0 in fall of 2017. This 4th generation of VantageScore’s scoring model will have a bit more information for lenders to determine if a consumer is a credit risk. VantageScore is introducing a new factor into a consumers overall credit score as an attempt to overstep FICO…

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Predatory Lending

Recognizing and Avoiding Predatory Lending

I’m sure you’ve seen it advertised; low interest payday loans approved for those with low or no credit, with even the ability to build credit when followed on the terms agreement.  Sounds great right? Building credit and borrowing money to keep yourself afloat until next payday could just be to good to be true! Well,…

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Paying Bills

Paying Bills On Time – Still Have Bad Credit?

  “I pay my bills on time, but don’t have good credit.” Paying Bills On Time DOES NOT mean you have GOOD CREDIT. Why? Because paying your bills on time – your payment history, only accounts for 35% of your overall credit score! So just because you pay on time, doesn’t mean you will have…

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Late Payments

How to Prevent Late Payments

What do you do if you can’t afford to make your minimum payment on your Credit Card?  You don’t want to harm your credit with a late payment, so what next? If you make the payment too late (over 30 days past the due date), it will hurt your credit scores, big time. We’re here to…

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Business Credit

The Simple Guide to Business Credit –

  What is Business Credit? Sometimes called Trade Credit, it is credit that is established under a business’s name.  This type of credit permits business owners to use their business credit score and profile rather than their personal credit score and profile for financing purposes. One of the reasons Business Credit is so appealing is that business owners can commonly qualify with…

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COVER

How To Get Hired in any Economy

Is Credit Score a Factor in Getting Hired? In today’s job market, setting yourself apart from other candidates is the most important strategy to getting hired. In an interview with Jesse G. Rodriguez, author of The Business Owner’s Guide to Keeping Customers For Life, we discussed some tactics and strategies to obtaining your dream job and…

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Debt Settlement & Credit Report Negotiation

How to DIY Debt Settlement & Credit Negotiation THE RIGHT WAY

Do it Yourself Debt Settlement & Credit Report Negotiation Did you know that you can resolve your debts yourself without compensating a third party debt settlement company? Are you aware that you can trim down your debts yourself by considerable margins? You can even formulate payment plans at 0% interest rate and set up monthly affordable payments. All these things can…

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credit report

Why is My Credit Report Important

Why Your Credit Report is More Important then You Think… Your credit report is important because it is a snapshot of everything you have ever done in your life that has involved your use of credit.  It is very important that you monitor your credit report regularly to make sure there are no inconsistencies or mistakes…

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Car Insurance

Good Credit means Lower Car Insurance Rates

How does good credit affect car insurance rates?  Did you know that car insurance rates are based on your credit score? Most people are shocked when they hear that auto insurers use credit scores to help decide whether to cover drivers and what premium they should be charged. If you are like most people, it may be difficult…

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