Archive for February, 2009
Is It Right For Insurance Companies To Your Credit Score
Thursday, February 26th, 2009
If you were unaware your credit score can be used it determining your insurance premiums. Furthermore, it can be used by insurance companies to determine if they will even insure you. What is your opinion of this? Congress gave insurance companies the right to do this with the Fair Credit Reporting Act. Also, it really […]
Tags: car insurance
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Cobra And The Economic Stimulus
Wednesday, February 25th, 2009
A nice benefit on the Oboma Stimulus bill is the help from the Federal Gov with the cost of COBRA. For those that don’t know COBRA is a form of temporary health insurance for people that are unemployed. What they are paying is 65% of the COBRA premium up to nine months. This is a […]
Tags: COBRA, Stimulus
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Free Credit Report and Score
Tuesday, February 24th, 2009
Is there such a thing as free credit report and score. The answer is not really. There is a free credit report, but there is nothing that is a true free credit score. Your credit report is avaiable to you free one time per year. This is a requirement by law. It helps consumers see […]
Tags: credit report, Free Credit Score, identity theft
Posted in Credit Score, Indentity Theft | No Comments »
How to Raise a Credit Score
Sunday, February 22nd, 2009
If you are wondering how to raise a credit score here is a list to hopefully help. 1. Pay your bills on time. This is the best answer to how to raise your credit score. Why? Your payment history makes up the largest part of your credit score. Nothing is a more of sign of […]
Tags: 3 in 1 credit report, credit tips, improve credit score
Posted in Credit Score | 2 Comments »
A Credit Score is Not a FICO Score
Sunday, February 22nd, 2009
How many times have you heard the term credit score? How many times have you heard FICO score? They seem to be used interchangeably, but they really are not. The truth is a FICO score is a type of credit score. A credit score is a general term. There is a reported thousand plus different […]
Tags: credit report, Credit Score, vantage score
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What is considered a good FICO score
Wednesday, February 18th, 2009
Today, having a good FICO score could be one of the best things you could have. That is because of the current credit crunch that is happening in the country. Defaults and foreclosures are causing lenders to tighten down their lender practices. And for those individuals with less than perfect credit, it could be difficult […]
Tags: credit crisis, Credit Crunch, good credit score, What is a good Credit score, what is a good FICO score
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FICO Score Calculation
Monday, February 16th, 2009
To figure out your credit score you need to understand the basics behind the FICO score calculation. This is a complex formula that takes into account information from your credit report to generate a three digit number. There are five main area of the FICO score calculation and each has a different wieght. The first […]
Tags: FICO formula, FICO score
Posted in FICO score | 24 Comments »
Are Late Payments Killing Your Credit Score?
Friday, February 13th, 2009
Are you paying your credit cards or bills late every month. Stop! This could be on of the single worse things you could be doing for your credit score and credit standing. First, late payments are going to cost you a lot of extra money. First, there is always going to a late payment fee […]
Tags: bad credit, credit history, Late Payments
Posted in Credit Score | 1 Comment »
The Reasons Why You Want an Excellent Credit Score
Friday, February 13th, 2009
So do you want a good credit score? The truth is you need to have an excellent credit score. Why? The money you will save will make a huge difference in your life. It will actually create less burden in your life and create some breathing room. If you are wondering what an excellent credit […]
Tags: Credit Score, excellent credit score, good credit score
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Credit Score Scale
Thursday, February 12th, 2009
There are several different ways to score credit. There is the FICO score, Beacon score, and VantageScore. Actually there is over one thousand different ways to score credit. But are they all on the same credit score scale? Most actaully are but thier scoring could be different. The most common credit score scale ranges from […]
Tags: credit history, Credit Score, FICO score
Posted in Credit Score | 1 Comment »
What to do now that there is no jobs
Wednesday, February 11th, 2009
If you are like the majority of the country, you are freakin out about the current economic crisis. This is actually what is causing this crisis. The fear in the economy is just running wild. You can even watch the TV without hearing something is going wrong. Now, it comes down to one thing personal […]
Tags: being productive, economic crisis
Posted in economy | No Comments »
How do you get a Free Credit Score Online?
Wednesday, February 11th, 2009
The truth is there really is no such thing as a free credit score online. That is because you have to pay for your credit score. A credit report is free, but not a credit score. There is one way around this you can try. This is going to take you signing up for a […]
Tags: Credit Monitoring Service, Credit Score, Free Credit Score
Posted in Credit Score | 2 Comments »