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Articles from joy mali | Selfgrowth.com
- How Inquiries on Our Credit Report Can Lead to Low Scores - by Submitted on Feb 22, 2012 from joy maliA personal check on your credit report is not encouraged, it’s necessary. But did you know that credit inquiries made against your financial credit report from actual organizations and companies can lead to lower your credit score? All inquiries are reflected on your report for the next two ...
Views: 427 - How to build the credibility of your credit report? - by Submitted on Feb 09, 2012 from joy maliThese days, there is really no need to mention just how significant a credit report is in building your financial credibility. Your financial history is now a direct reflection of how well you manage your finances and how responsibly you can take care of existing loans. For this reason, you ...
Views: 443 - 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 - How to get errors corrected on credit report - by Submitted on Jan 10, 2012 from joy maliErrors on credit report can pose a huge obstacle when taking a financial decision, as it lowers credit scores. So, it is necessary to get the errors corrected as soon as possible because chances are you cannot obtain credit cards, mortgage loans or even acquire good job. The credit file is ...
Views: 620 - 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 to Improve Your Credit Rating for a Better Credit Report? - by Submitted on Nov 02, 2011 from joy maliA concern of modern times, a good credit history, it has now become more significant than ever before. Many people have realized that the poor performance of their credit score can be an obstacle to vital things. In fact, many of us are ignorant about credit reports and its effects not just on ...
Views: 441 - 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 - 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 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 - 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 - 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 - 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 - 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 - Improve Your Credit Score for Improved Auto Loan Options - by Submitted on Mar 12, 2012 from joy maliYour credit score plays a very vital part when you are out shopping for a new vehicle. Being something that lenders use as a point of reference, your credit score paints a picture of your financial history at a glance—helping them determine your capability to pay the loan.With a good credit ...
Views: 431 - 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 - Is there an Advantage to Exceeding Your Credit Limit? - by Submitted on Feb 25, 2012 from joy maliTime and again you’ve been warned against the perils and disadvantages of spending beyond your means. But did you know that there are instances wherein going over your credit limit can prove to be advantageous for the improvement of your credit score?Follow the guidelines below to find out ...
Views: 467 - Keep Your Credit Report Clean by Avoiding Mistakes - by Submitted on Feb 29, 2012 from joy maliLenders, utility companies and even employers are taking account of consumers’ credit reports and other information offered by credit report bureaus. They also take note of credit scores as these can help them determine the risk associated with an individual. Hence, it is vital to update credit ...
Views: 527 - Know your credit report for better financial management - by Submitted on Jan 04, 2012 from joy maliDo you know how lenders, creditors or banks, get information on the way you handle your money? It is through your credit reports. Complete histories of debts, accounts, bankruptcy etc are detailed in your file and all this information is used to take out your credit scores. And credit grade ...
Views: 462 - 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 - 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 - Maintain Your Credit Limit and History for a Good Credit Score - by Submitted on Dec 02, 2011 from joy maliWorried about your credit score and wondering why, despite your financial honesty, it is low? Your bills are paid on time but your score lags behind and is below the average score. This is the reason that regular credit checks are desired, as scores may vary. Read on to discover what is ...
Views: 478 - Make a good start in the coming year by checking credit report - by Submitted on Jan 10, 2012 from joy maliThe New Year is a good time to start monitoring your credit report. The holiday season has sent many people to go on shopping spree and to spend without considering their monthly balance. These situations have enabled fraudsters to steal the credit card number or personal information. Many are ...
Views: 512 - 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 - 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 - 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 - Manage Your Credit Score Effectively - by Submitted on Feb 25, 2012 from joy maliBanks today have made credit lending processes more strict to reduce the risks associated with lending credit to those who cannot manage their finances properly. To properly judge whether or not an individual is credit-worthy, institutions refer to one’s credit report, making spotty financial ...
Views: 453 - 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 - Prep Your Credit Score to Get The Best Loan Rates - by Submitted on Mar 15, 2012 from joy maliHome-buyers seeking the best rates for their mortgage—remember to check your credit score and review your credit report. The best loans and rates that you need to own your dream home may depend on it.Understand that these two things play a vital role in the entire home buying process. These ...
Views: 431 - 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 - Raise Credit Report Dispute to Get Errors Corrected - by Submitted on Mar 06, 2012 from joy maliWhen requesting for free annual credit reports from three credit reporting agencies such as Experian, Equifax and Transunion, there is a chance that you might come across inaccurate and questionable information after thoroughly studying them. Raising these issues need to undergo a credit report ...
Views: 521 - Raise credit scores with good financial management - by Submitted on Jan 24, 2012 from joy maliCredit scores make a huge impact in our personal and financial future.Any debt left ignored or bills that you didn’t settle all get reflected annually in a document that is easily accessible by various financial institutions and is used to base your financial credibility. This credit report is ...
Views: 428 - Raise credit scores with good financial management - by Submitted on Feb 01, 2012 from joy maliCredit scores make a huge impact in our personal and financial future.Any debt left ignored or bills that you didn’t settle all get reflected annually in a document that is easily accessible by various financial institutions and is used to base your financial credibility. This credit report is ...
Views: 385 - Raising your issues to credit report bureaus - by Submitted on Dec 23, 2011 from joy maliFlaws on your credit report, which shows your credit score, are quite common. Identity theft or SSN errors are the cause of errors on the credit file. Besides, discrepancies can also be due to the mistaken marking of an item that has been paid. There are chances that you may come across certain ...
Views: 463 - Regular credit checks lead towards good scores - by Submitted on Feb 16, 2012 from joy maliAs far as financial documents go, few people realize the importance of your own credit report.To properly maintain and manage your financial reputation, one has to actively take steps to ensure that your finances are managed properly. This includes paying attention to your bills’ deadlines, ...
Views: 395 - Responsible Credit Behavior Improves Your Credit Score - by Submitted on Jan 13, 2012 from joy maliIf it’s not a part of your New Year’s resolution yet, then it’s about time that it makes the top of your list—get rid of debt for 2012.How? Check your credit report grade. It’s as simple a reviewing your credit history and ensuring that you score 700 and up. This ensures that your credit ratings ...
Views: 472 - Safely shelter the credit report and identity through monitoring services - by Submitted on Dec 09, 2011 from joy maliIdentity thefts are on the rise, and fraudsters are actively involved in carrying out transactions and victimizing many naïve people. So it is essential to keep close eyes over credit report. Fake account openings have led to lowering of credit scores. This cunning activity has made many ...
Views: 463 - 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 - 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 - 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 - 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 - 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 - 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 - 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 can Damage your Credit Score - by Submitted on Jan 10, 2012 from joy maliA good credit score leads to a happy and peaceful life as a good credit history brings real satisfaction. Good grades determine one’s credibility. Poor past performances can be an obstacle in leading smoother life. To have good credit report and scores, one has to be a good and responsible ...
Views: 450 - 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 - What goes into getting good credit scores? - by Submitted on Feb 21, 2012 from joy maliMaintaining a good credit score is essential—particularly if you are considering the purchase of a new home or a car, hoping to get good insurance or even applying for a new job. Our financial history is greatly influenced by our credit scores and your credit reports are a great reflection of ...
Views: 389 - 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 - 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 - 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 - What to do When Your Credit Report Has Hit Rock Bottom - by Submitted on Feb 23, 2012 from joy maliIt may sound cliché, but trying to salvage a dismal credit report, while difficult, is not impossible. All it takes is some responsibility and the conscious effort to work towards fixing your finances with good financial management.Working towards a spotless credit report is not easy—but there ...
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