Self Improvement Site
On The Internet! Take the Self Improvement Tour
On The Internet! Take the Self Improvement Tour
Articles from joy mali | Selfgrowth.com
- Credit monitoring - Protect your credit - by Submitted on Jun 06, 2012 from joy maliYour credit is becoming increasingly important each and every day. And because of its importance, you should know about the possible problems that may occur with it. A lot of people have their credit accounts and yet they don’t know much about guarding it.Your credit will include your ...
Views: 594 - Why credit score is important - by Submitted on May 24, 2012 from joy maliThere’s no doubt that your credit score can really be a big help to your life and some other financial situations. The internet usually tells you how to take care of your credit report and what you get with doing so really pays off. There are a lot of people out there who still don’t understand ...
Views: 612 - Credit score - how it is calculated? - by Submitted on May 24, 2012 from joy maliYour score is a number that ranges from 300-850. It is calculated using your credit history and the information on your credit report. Your score is something that creditors and banks look for to determine if you are worthy for a loan or not. Same thing goes for your report, creditors also check ...
Views: 548 - Why should I check credit report annually? - by Submitted on May 24, 2012 from joy maliWith the current global economic state, everyone’s credit rating is at high risk. For anyone who is working towards achieving or maintaining impeccable credit scores, the economic scenario everyone is facing means you could face have some complications headed your way—and it’s a reality that ...
Views: 549 - Advantages of a good credit score - by Submitted on May 24, 2012 from joy maliYou might have underestimated the power of having a good credit score. But the reason for you to do so might be because you don’t know or just haven’t realized the real advantages of having a good score. First of all, your score reflects who you are and what you do. It would tell creditors, ...
Views: 665 - How to make best use of tax refunds - by Submitted on Dec 31, 1969 from joy maliI bet you’ve been thinking about ways on how to spend your tax refund. But have you thought about its worthiness for that certain object? What you should realize is that there are a lot of ways to put it to good use. There are certain things that may seem painful to sacrifice but those things ...
Views: 692 - How to remove errors from your credit report? - by Submitted on May 24, 2012 from joy maliA lot of people may not have experienced this but some really do get credit errors in their report. If you happen to be one of them then you better get them removed immediately. Why? Because credit errors can actually hurt your credit score and other credit activities in the future. Lenders or ...
Views: 583 - What credit score I need to buy a car? - by Submitted on May 24, 2012 from joy maliI bet you’ve been jealous of other people who have their own cars. But it’s nothing to be ashamed of, it’s normal. If you’re planning to buy one but don’t have money on hand, then you’re other chance of getting it is through your card. I’m quite certain that most people have got theirs with a ...
Views: 595 - How to improve credit score easily? - by Submitted on May 24, 2012 from joy maliIf you have been running out of ideas to boost your credit, don’t fret! You don’t have to change the way you give it a boost all the time, you just have to keep it up. I’m pretty sure you’ve seen a lot of stuff out there that tell you how difficult it is to maintain your credit score but don’t ...
Views: 600 - How a low Credit Score can affect? - by Submitted on May 17, 2012 from joy maliAre you one of those people who think that having a low credit score will have no effect on their lives? Well, think again. Having a low credit score can truly affect future transactions, businesses or even your job. Here are a few examples of how a poor credit score can affect your life.1. High ...
Views: 620 - How to keep credit report clean? - by Submitted on May 17, 2012 from joy maliYour credit report, when showed to banks and lenders will reflect yourself. Even if you didn’t mean to leave those marks on it, they will still think that it’s your fault. That is why having a clean report is very important. Your report will determine whether you are worthy enough for a loan ...
Views: 618 - Good Credit Score - Awesome Benefits - by Submitted on May 17, 2012 from joy maliIn today’s world, one must strive to achieve a good credit score. With the everyday goings-on in our world, banks and lenders are becoming more picky with who they will give a loan. Every time you apply for a loan (home loan, car loan, credit etc.), the bank you apply for will check your credit ...
Views: 545 - What to do if loan application is rejected? - by Submitted on May 16, 2012 from joy maliOne of the most frustrating things in the financial world is a rejected loan application. What’s painful about it is that some people have worked so hard for their application but in the end, they get denied. If you have been denied many times in the past, you may be feeling down and ...
Views: 608 - Is credit monitoring service helpful? - by Submitted on May 16, 2012 from joy maliThere are a lot of advertisements out there claiming that they are the best for your credit account. This is actually very risky because if you do sign up for it, you’ll be giving out your personal information. You’re more at risk of identity theft whenever you share your particulars. And this ...
Views: 631 - How to get a good credit score - by Submitted on May 15, 2012 from joy maliNot all people realize the importance of their credit score. They often neglect the basics of maintaining it and just enjoy using it to their hearts content. All that happiness with your credit will be lost in the end if you don’t take care of it as early as now. You may forget about paying your ...
Views: 683 - What is included in a credit report? - by Submitted on May 14, 2012 from joy maliIf you just newly applied for a credit you’ve probably heard about credit reports. First of all, you should know about its importance. Your credit report will tell you all about the goings-on in your account whether good or bad. But what is included in your report? You may ask. Read down to know ...
Views: 561 - Top things students should do for a good credit history - by Submitted on May 10, 2012 from joy maliSome students actually think that there’s nothing they can do to get a good credit history. Truth is, there are a lot of ways for you it achieve it. It might not be easy because of all the school activities and home works but it’ll surely be worth it in the future. Read along to build up a good ...
Views: 577 - Ways to improve business credit score - by Submitted on May 10, 2012 from joy maliYou’re business score is quite the same with your personal score. You have to maintain it and keep it up if you want to expand your business in the future. Below are tips on how you can improve your business credit score.1. Pay your bills on time- Just like with your personal score, missing out ...
Views: 700 - What is the good credit score range? - by Submitted on May 09, 2012 from joy maliThe credit score range will be the one to determine whether you are worthy enough for a loan. You will have a credit score that will fall within 300-850, 850 being the highest. Your credit score can either get you into trouble or make your life easier because of how bankers or lenders will see ...
Views: 563 - Best way to handle credit cards to keep score high - by Submitted on May 08, 2012 from joy maliHaving a credit doesn’t mean you should be afraid to use it. You just have to be educated about your credit card to know how it works and what really does and doesn’t. Don’t be fooled by some scams online that tell you that they can raise your score for you in a jiff. There is no magic word to ...
Views: 609 - Top 3 reasons one must use credit monitoring service - by Submitted on May 07, 2012 from joy maliAs we all know, our credit score is becoming more and more important in our daily lives. This is why we should be monitoring it as much as we can. Your credit report will contain practically everything that you do that is related to your credit. Such as payments, bills, missed payments, loans, ...
Views: 607 - How to raise your credit worthiness - by Submitted on May 03, 2012 from joy maliDo you want to raise your credit score? Then the first thing you need to do is find out what your current score is. Your credit score will range between 300-850, and of course, the higher it is, the better. Excellent credit scores give you a higher chance of getting a loan with the lowest ...
Views: 661 - Should you check your credit report while working from home? - by Submitted on May 02, 2012 from joy maliOnline credit monitoring services notify you when there are suspicious activities happening in your account. While some think that subscribing to these services is too much, for some, it is essential. There are actually common-sense steps on how you can protect your account, but if you want to ...
Views: 678 - Why you should get a monitoring service - by Submitted on May 02, 2012 from joy maliCredit score monitoring has its advantages that a lot of people should be thinking about. Of course, there is a fee that comes with the service, but if you really want to protect or boost your score then all that should be worth it.With credit score monitoring, you’ll be able to prevent and ...
Views: 586 - The importance of your credit score - by Submitted on Apr 26, 2012 from joy maliEver thought about buying a home but don’t have enough money to pay for it right now? What about a student loan; or a car loan? If you want these things, what you should worry about first is your credit score. Your credit score is a number used by lenders to judge whether an individual is ...
Views: 672 - Your Lifestyle Can Hurt Your Credit Score - by Submitted on Apr 26, 2012 from joy maliAre you very much into shopping? Or how about going out of town during the summer holidays? It wouldn’t hurt to have fun but if you’re trying to maintain a good credit score, you can easily get carried away and before you know it, your credit score is taking the brunt of it. A lot of people ...
Views: 596 - Can bad credit affect my job? - by Submitted on Apr 25, 2012 from joy maliSome people don’t care much about their credit history, but what they don’t realize is that bad credit can have a huge effect on their employment options. Most companies do a background check on their employees to know if they’re trustworthy. If you have black marks on your credit history, ...
Views: 801 - Buying a House With a Bad Credit - by Submitted on Apr 23, 2012 from joy maliEveryone dreams of owning their own home. But buying a house with bad credit is difficult; and in the quest of trying to repair their financial reputation, they spend more time and money on it, putting their dream of owning a home on hold. Knowing however, how to fix and improve your credit ...
Views: 649 - Manage financial reputation with free credit scores - by Submitted on Apr 18, 2012 from joy maliOne of the most important components of a consumer’s financial profile is the credit score. Every customer understands its importance to get free access to one’s credit score since a report is a fundamental consumer right. Thus, availing of this service to institutions who can directly offer ...
Views: 599 - Why it is Important to Review Your Credit Report - by Submitted on Apr 18, 2012 from joy maliGetting an idea about your financial health has become easier and more accessible through the efficiency with which you can now review credit reports. This document, particularly for the part of lenders and creditors, help lessen credit risk, can help you save money and has the potential to fend ...
Views: 568 - Factors that Determine Credit Score Competency - by Submitted on Apr 17, 2012 from joy maliDo Credit scores determine ones potential of receiving loans on credit? The answer is yes and it can reflect a person’s entire financial history. So if you are determined to apply for a loan online, ensure that your credit reportis up to the required level you’re your financial history is ...
Views: 633 - Make your growing child learn the importance of credit reports - by Submitted on Apr 17, 2012 from joy maliFor families with teenagers, there is a need to explain to them the importance of managing finances properly. It is ideal to impart the parents’ financial knowledge to their children before they are issued their own credit cards to manage their own finances. A credit report can be a good ...
Views: 550 - Why Free Credit Reports are Important when Seeking Financial Loans Online - by Submitted on Apr 16, 2012 from joy maliCredit reports are an important factor that lenders use as basis for their decision on whether to approve or disapprove a person’s request for a loan. Lenders are highly dependent on these reports since they contain all the necessary financial information. An annual credit report is a ...
Views: 545 - Guide to Free Credit Report Online - by Submitted on Apr 11, 2012 from joy maliCredit reports make or break every individual’s chances of being approved loans or credits. Always remember that debt is an increasing financial crisis. It is important for every consumer to understand their credit rating as seen on their credit reports which they can get for free online. Credit ...
Views: 1106 - How to remove bankruptcy from credit report - by Submitted on Apr 10, 2012 from joy maliBankruptcy is a huge problem for people who wish to apply for loans. It creates a negative impact on credit reports and credit scores. People should be aware that the negative mark created by bankruptcy on credit reports persists on the credit statement for a long period of time. Therefore, it ...
Views: 779 - Credit Reports with Missing Accounts - by Submitted on Apr 10, 2012 from joy maliIt is not necessary for all creditors to report to the three credit Bureaus Each one of us has three separate credit reports which we can obtain from the three national credit reporting bureaus: Experian, Equifax and TransUnion. When you obtain of the free credit check and discover that loan ...
Views: 694 - Understanding Your Credit Score before Applying for a Mortgage - by Submitted on Apr 10, 2012 from joy maliOwning a home is one luxury every one dreams of having. Even the most prospective homebuyers search for ways on how they can finance their homes. One way of financing is in the form of a mortgage. But, before applying for a mortgage, make sure that your credit scores are in good condition since ...
Views: 729 - Improve Credit Score to Get Benefits and Better Interest Rates - by Submitted on Apr 09, 2012 from joy maliCredit scores are vital in determining your financial capability. Credit scores range from between 300 to 850 and it allows lenders to determine their risk when they let you borrow. With a high credit score, your chances of being approved are high and you will be able to get lower interest ...
Views: 592 - Ways to Check Your Credit Score Online - by Submitted on Apr 05, 2012 from joy maliCredit score is an important factor especially when applying for loans online. There are a number of reasons why one should always keep a close eye on their credit report online. If people are trying to apply for a loan, they have to make sure that their credit scores are qualified. They should ...
Views: 626 - Maintain Credit Report for Better Interest Rates - by Submitted on Apr 05, 2012 from joy maliPeople should all be aware of the importance of having a clean and outstanding credit report. Having a good credit report earns people privileges and gives a good impression to the lenders, creditors, banks and other financial institutions. Being up to date with credit in the past will reflect ...
Views: 600 - Credit Report—the Best Tool in Managing Credit Health and Finances - by Submitted on Apr 03, 2012 from joy maliManagement of credit is one of the best ways on how you can ensure your finances in the future. A credit report plays a significant role in the management of credit since all credit history—either good or bad will be reflected on it. Credit reports are what financial institutions use as their ...
Views: 523 - Importance of Properly Managing Credit Reports - by Submitted on Apr 02, 2012 from joy maliIt is important to take care of your finances in the same manner you take care of yourself. This will be reflected on the credit report and it is the main basis on determining one’s stability when acquiring credit. It is very essential to focus on managing your finances and one way to keep ...
Views: 552 - Learn How Debt Settlement Can Taint Your Credit Report - by Submitted on Mar 29, 2012 from joy maliEliminating debt from your credit report earns you an improvement on your credit score but keep in mind that the debt settlement process is not a trouble-free process. There are several consequences that accompany the settlement process. It is possible that certain negative remarks are removed ...
Views: 1070 - Get your Annual Credit Scores Online for Free - by Submitted on Mar 28, 2012 from joy maliAn annual credit report is a representation of one’s financial position. It is very important to regularly check it since it consists of one’s bank accounts, balances and fiscal payments done online. Credit reports vary from person to person since they depict their financial statuses. It is best ...
Views: 637 - Credit Score: How it Influences Home Loan Purchases - by Submitted on Mar 26, 2012 from joy maliBuying a home is the most rewarding and gratifying financial transaction of your life. Many more buyers are interested in buying especially if the market conditions are in favor of the buyers. However, not all interested buyers are allowed the privilege to buy one. Most people get loans that ...
Views: 540 - Make Your Credit Report Unmarred Even After Foreclosure - by Submitted on Mar 26, 2012 from joy maliIndefinite lending standards and expensive mortgage rates led to one of the most destructive housing market crashes in United States history. In fact, several homes have surrendered to foreclosure in just the past few years. Accommodating a foreclosure on your credit report irks and displeases ...
Views: 599 - Overview of Credit Report for Better Financial Position - by Submitted on Mar 23, 2012 from joy maliThe annual credit report is a representation of one’s financial position. It is important to regularly check your credit report and update it when needed. Moreover, you could always get your credit report for free. The credit report consists of the bank account, balances and fiscal payments. ...
Views: 574 - Credit Report Monitoring and Safeguarding Identity - by Submitted on Mar 20, 2012 from joy maliIdentities are highly important when buying a home, a car and things that demand a huge amount of investment. Therefore, it is also extremely vital to protect and secure one’s identity as identity theft is becoming really prevalent these days. When a credit card is involved in identity theft, it ...
Views: 553 - Prepare Your Credit Report Before You Buy a Home - by Submitted on Mar 20, 2012 from joy maliIt is every person’s dream to have a home of their own and it is indeed a fact that buying a home requires a huge amount of investment. The chances of being one step closer to buying a home requires you to have a close look at your credit report. A credit report is a financial statement that ...
Views: 561 - Free Credit Report- An Imperative to Seeking Loans Online - by Submitted on Mar 15, 2012 from joy maliA credit report is able to summarize your detailed financial information, which reflects your financial history online. It plays an important role whenever one seeks for financial loans online where your credit history becomes a basis for whether or not you can properly manage your ...
Views: 634